If a new super market opened in the town where you live and as part of their opening strategy announced that they were going to charge more, would you shop there?
If a new car dealer opened in town and announced that they were going to charge you more if you made over a certain amount of money, would you buy a car there?
Then since we have a person running for the Presidency who tells you BEFORE the election that he is going to charge people who make over a certain amount of money more taxes, is there anyone out there who can logically explain to me why ANYONE would vote for this person.
The people that he claims he is going to tax more are the ones who employ you, own the stores you shop in, service your automobile etc. Are you foolish enough to believe that they are going to pay those taxes and not pass them along to you in the form of higher prices, lesser service and the like?
The Democratic Party has played this card in every election since before I started voting. It’s pitting one class of people against another. I don’t believe that I have ever gotten a job from a poor man - have you? No of course not.
I got my first job in a super market owned by a father and son. It was here in Phoenix Arizona, a place called Neb’s Market. It was a large market but a one of a kind and they employed lots of young men my age, right out of high school. They paid about 35 cents an hour less than A.J. Bayless Markets a chain but they hired lots more than they actually needed - something no chain market ever did or does.
Were the Neb’s wealthy? Well they were by my standards, yet according to Barack Obama they would owe more taxes “to spread it around” a little. Funny, I thought that’s what they were doing when they gave me a job!
It’s strange how the thinking has gotten twisted with people like Barack Obama!
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Do you have “less then perfect” credit? For credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!
If you know someone struggling to quit smoking we found a great site that offers genuine help. You can Quit!!
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Our site is dedicated to helping you improve your credit, in other words to get the credit you deserve. We have been there ourselves, in fact I went through a personal bankruptcy in 1990 so I know the pain.
If your credit is damaged and your credit score is low you will have trouble either getting credit or getting credit at a good interest rate. If that is your trouble then cheer up; we have good news for you! There are some steps you can take to fix the problem.
This is not a magic bullet or a general fix-all but if you follow our steps you can get your credit back on track. The first thing I have to say is this will take some time. Oh, don’t look so sad. If you took your car to a body shop because it had been totaled and they told you they could fix it overnight, you wouldn’t believe them. This is exactly the same. Some of you have credit that looks pretty bad. It can be fixed but it will take time. So chin up, let’s get started! Ready?
1. Get a copy of your credit report (all three). You can’t fix it if you don’t know what is wrong.
2. Go through those reports (yes, all three) and verify that the information is correct. The credit agencies themselves tell us that approximately 80% of these reports contain errors. It’s probably higher.
3. Any thing that is incorrect or outdated can be legally removed. Be prepared to show proof that something is wrong. They are not just going to take your word for it.
4. Report anything that you can prove is wrong or outdated to the credit agencies with copies of your proof and a NICE letter asking this to be removed. Don’t be rude and insulting or your letter will go into the trash, guaranteed. The agency has to verify the proof before it can be removed.
5. Be prepared to wait because it takes time. If you are denied removal or the item(s) are too many or outdated (like a bankruptcy that is 15 years old) you will need to get a professional to do it for you. Lexington Law only does credit repair and they have been doing it since 1991. A friend of mine worked for six months to get some items removed and failed. Lexington Law got it done in about 60 days.
Contact them and they will get it done. We investigated lots of credit repair companies and found them to be the best and at a rate that anyone can afford. In fact you can’t afford not to hire the best if you want results and you do, that’s why you are reading this article.
6. If you have any accounts that are past due, get current - and stay current. In fact, if possible get ahead on what’s due. Nothing shows a creditor that you mean business like paying ahead.
7. Stop using your credit cards. I know that may be hard but put them away and don’t use them.
8. Don’t apply for any new credit cards. When I was in college I had more than a dozen credit cards and thought that was cool - it’s not, it’s stupid! Applying for additional credit cards will lower your credit score not improve it. REMEMBER your goal is to raise your credit score.
9. Keep accounts with balances open. You may be tempted to close out credit cards that are delinquent. Before you do that be sure this won’t negatively impact your credit score - it probably will! Another part of your credit score is based on “longevity”. So if you cancel any cards get rid of the newest.
10. The next thing to look at is your debt to credit ratio. You NEVER want to be maxed out on a credit card, in fact for maximum credit scoring you should keep your amount owed to approximately 25 - 30% of your credit limit. I know that may not always be easy but THAT MUST BE YOUR GOAL to raise your credit score.
11. Pay your debts off completely. This should be your ultimate goal. When you start paying your debts off your credit score will respond accordingly. Your outstanding debt makes up 30% of your total credit score. Lower your debt and your score will respond accordingly.
12. Finally, if you are a person who messed up a long time ago and want to get reestablished we have good news! You can do it! And we can show you how.
If you need a credit card (it’s nearly impossible to function without one) we can help by pointing you to companies who specialize in bad credit - credit cards.
If you need a car loan either because of bad credit or no credit we can help. The very best way is to be pre-approved for that car loan. We have companies that will pre-approve you and all you have to do is take the check to the dealer and drive out with the car of your dreams. Sound too good to be true? It isn’t! Check them out! You will be glad you did we guarantee it!
Finally, (I know this is a different subject but it is dear to my heart) if you know someone who is struggling to quit smoking, please let me refer you to a site that offers real help. Quitting smoking is the best gifts you can give yourself and your family. You can do it!
For some good Christian short stories and inspirational articles may I suggest this site! It’s great!!
Please visit our site for a complete list of helps available!
AIG, the global insurance and financial services giant, has been pulled back from the edge of bankruptcy by the federal government with a two-year, $85 billion line of revolving credit. It’s secured by AIG’s numerous operating subsidiaries — many of them insurance companies that sell everything from life, home, accident and health insurance, to high net worth and identity theft insurance.
AIG’s board of directors issued a statement in an attempt to quell any concerns from policyholders.
“Policyholders of AIG companies around the world can rest assured that AIG’s commitments will continue to be honored. AIG is a solid company with over $1 trillion in assets and substantial equity, but it has been recently experiencing serious liquidity issues. We believe the loan, which is backed by profitable, well-capitalized operating subsidiaries with substantial value, will protect all AIG policyholders, address rating agency concerns and give AIG the time necessary to conduct asset sales on an orderly basis.”
AIG was chin-deep in Wall Street quicksand, thanks in large part to credit default swaps, or CDS. A credit default swap is like an insurance policy against a debt obligation defaulting and, of course, defaults are in vogue, so AIG got into big trouble.
Fortunately for consumers who have AIG insurance policies, what happened on the financial services side of AIG had little, if any, impact on the other side — the insurance business, says David Schiff, editor of Schiff’s Insurance Observer.
“It really has to do with guarantees that they made through AIG Financial Products — they basically engaged in derivatives and swaps. A lot of AIG’s problems stem from the fact that they had a triple-A rating. Everybody wanted them to be a counter party, so they did things like guaranteeing these securities — pools of mortgages. Some weren’t so good, but you throw them all together and AIG got paid for guaranteeing them. But there really was risk there and they didn’t even realize it.”
AIG has several lines of business, and within those lines there are dozens of companies.
“One of them is AIG American General, which issues life insurance policies,” says Ron Adair, Certified Financial Planner and partner at The Resource Group in Glendale, Calif.
“AIG American General is a subsidiary within the parent company, AIG. The parent company can’t gain access to those assets because AIG American General operates as a separate legal entity.”
Adair’s assertion that AIG would have a tough time robbing Peter to pay Paul stems from the tightly regulated insurance industry.
“The insurance company subsidiaries of AIG are regulated and monitored on a state basis,” says Donald Light, senior analyst in the insurance group at Celent, a consulting firm. “The duty of state insurance departments is to make sure there are sufficient assets and sufficient quality of assets on hand to pay claims. Say what you will about them, but they take their responsibilities seriously to make sure that every insurance company they regulate is financially solid. That includes the amount of assets, the quality of assets and the accuracy of understanding the claims upon those assets.”
The AIG situation highlights the disadvantage consumers have when trying to select an insurance company. As we’ve seen so often in this financial debacle, ratings assigned to financial companies may be meaningless.
“After you put your eggs in whatever number of baskets, keep your eye on those baskets,” Light says. “In a way, that’s harsh, but it’s common sense. If we’ve learned nothing else, it’s that ratings don’t last and financial conditions change. It’s the responsibility of every consumer and every agent that a consumer relies on to stay current with developments.”
Light says he’s not suggesting that consumers make fast decisions and change policies, because there are costs and risks associated with that, too. But don’t assume that because you see its ads on TV that the company must be good — and don’t buy a policy and forget about it.
If you have any questions about your AIG policy, the New York State Insurance Department has set up a hot line. Call (800) 339-1759 between 9 a.m. and 8 p.m. EST. Or contact them by e-mail at consumers@ins.state.ny.us.
For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look! We offer some great auto insurance rates, take a look!
If you know someone struggling to quit smoking we found a great site that offers genuinehelp. You can Quit!!
Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.
Usually in this space we write about business. Either what we know from our own business experience or what we have learned that we believe is applicable to the business climate. But today I want to tell you about a lady, my lady.
My name is Dewey Kearney and my daughter Leslie and I co-own and manage this site. Let me tell you about the Lady that I just mentioned. Her name was Kathy and she and I were married for 45 years before she passed away in March 2006.
Kathy was one of the most fantastic women I have ever known, not just because she put up with me for all those years or because she worked with me in business for 15+ years, or because she helped me raise three great children. She was a fantastic lady because she loved God and put him first. Now before your eyes glaze over please let me explain just who Kathy Kearney was.
Besides being a wife, mother, grandmother and all that goes with it she was a playwrite, lecturer, teacher and musician. Everything she did she did with her own unique flair, and to the best of her ability. Knowing that she was representing Christ to those around her, she was always gracious and loving. She loved a great joke (puns were her favorites) and she lit up a room when she came in!
She was an English major in college and that was her first love, in fact she was a wordsmith extraordinaire. She was a published writer in the Christian marketplace and also had her own repertoire company. She wrote and directed all the plays and melodrama’s they produced. In between times she taught Bible studies, was a seminar speaker, loved her husband and raised her family. What a Lady!
She wrote many short stories and articles that were never published - because the Christian marketplace pays so little - and that she, being the artist she was, wrote for the joy of writing whether published or not. Kathy had the ability to take a subject and find a Spiritual application. Her short story “Believe The Compass” is an example that best describes this ability.
She, along with a Christian Psychologist, were in the process of collaborating for a book that never was published. At least three chapters were completed prior to her death and submitted to every major Christian publishing house in the U.S. but was rejected because as they put it, “the subject was too controversial”. Those will be on her website within a short time.
I recently posted a website dedicated to Kathy and her work. It is about 95% complete but it is on the web. The URL is: www.firequillpublications.com - I hope that you will take a few minutes to be inspired. She was quite a Lady! And she was MY LADY! Wow, was I ever blessed!
If you know someone that wants help to stop smoking, here’s the website for real help! Check it out!
Came across this article today in the Washington Post online. Now, keep in mind that for just about .30 cents a day you can protect your identity – with a million dollar guarantee that it won’t be stolen – with Lifelock. And please tell us if you seriously think it’s not worth the money! Read on . . .
Justice Breyer Is Among Victims in Data Breach Caused by File Sharing
By Brian Krebs
washingtonPost.com Staff Writer
Wednesday, July 9, 2008; A01
Sometime late last year, an employee of a McLean investment firm decided to trade some music, or maybe a movie, with like-minded users of the online file-sharing network LimeWire while using a company computer. In doing so, he inadvertently opened the private files of his firm, Wagner Resource Group, to the public.
That exposed the names, dates of birth and Social Security numbers of about 2,000 of the firm’s clients, including a number of high-powered lawyers and Supreme Court Justice Stephen G. Breyer.
The breach was not discovered for nearly six months. A reader of washingtonpost.com’s Security Fix blog found the information while searching LimeWire in June.
Services such as LimeWire, which are known as peer-to-peer networks, link computers directly, allowing users to swap digital movies, music and files with other users without the need of a central Web site to manage the exchange.
What users may not be aware of is that the software that facilitates file sharing may be configured to allow access to a portion, if not all, of a user’s documents.
Robert Boback, chief executive of Tiversa, the company hired by Wagner to help contain the data breach, said such breaches are hardly rare. About 40 to 60 percent of all data leaks take place outside of a company’s secured network, usually as a result of employees or contractors installing file-sharing software on company computers.
“We’ve seen a lot of instances where a company will be working on a product that’s not even released yet, and the diagrams for that product are already out on the Net,” Boback said. “This case is unique because of the high profile of the targets. The individuals on this list are at a very high risk, almost imminent, of identity theft.”
In June, medical records and Social Security numbers for at least 1,000 patients at Walter Reed Army Medical Center were exposed in a peer-to-peer data breach. In June 2007, the pharmaceutical giant Pfizer disclosed that an employee who installed peer-to-peer software on a company laptop exposed files containing the names, Social Security numbers, addresses and some compensation information of 17,000 current and former Pfizer employees.
In March, a Seattle man was sentenced to 51 months in prison for using LimeWire and similar networks to dig up personal and financial information on more than 50 people, which he then used to open lines of credit in the victims’ names.
Tiversa officials found that more than a dozen LimeWire users in places as far away as Sri Lanka and Colombia downloaded the list of personal data from the Wagner network.
“To me, this was devastating,” said Phylyp Wagner, founder of the investment firm. “I didn’t even know what peer-to-peer was. I do now.”
A spokesman for Breyer said the justice had no comment on the security breach, which came to light after the reader notified Security Fix and the blog alerted some of the Wagner clients.
Wagner said his company has contracted with FirstAdvantage of Poway, Calif., which last week sent out letters notifying affected clients of the breach and offering each six months of free credit-report monitoring. He emphasized that the peer-to-peer disclosure never endangered his clients’ financial records, which are stored by a separate company. But that may be small consolation to several lawyers on the list who said they recently experienced unexplained financial activity.
“This may explain why two weeks ago I got a $9,000 cellphone bill from AT&T,” said Steven Agresta, a partner with the law firm Alston & Bird. Someone had opened a phone account using his date of birth and Social Security number, but with a different address.
Agresta said AT&T promptly canceled the account and the bogus charges, but he’s still checking his credit history and other accounts for signs of fraud.
Of the 2,000 records from Wagner Resource Group that were found online, 700 included Social Security numbers, names and birth dates, while other records included only one or two of those details.
Frank Cabri, vice president of product management for FaceTime Communications, a Belmont, Calif., company that helps organizations control employee use of peer-to-peer networks and other applications, said there are more than 120 free software titles available for online file-sharing.
“Some of these applications are more complicated than others in terms of helping users figure out what files and folders they want to share and expose, and a lot of times the user is so focused on just going after that latest MP3 file that they’re not paying attention to the default settings that come with the application,” Cabri said.
Now. If after reading all this you aren’t convinced that you MUST protect your credit, we can’t help you. But if you understand how widespread Identity Theft is getting, and how easy it is for people to gain access to your personal information, then I know you’ll contact Lifelock and sign up today.
For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!
If you know someone struggling to quit smoking we found a great site that offers genuinehelp. You can Quit!!
Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.
I ran into an old friend the other day. We hadn’t seen each other for several years and honestly, I wouldn’t have recognized her. The years hadn’t been too kind. As we sat in a restaurant over coffee she told me of the problems she had. Her husband of 35 years had found himself another honey. She had lost her job and moved to a new city. Frankly any problems I had suddenly seemed small by comparison.
When she found out that my daughter and I had a website dedicated to helping folks with bad credit get auto loans she became animated and asked a thousand questions. It seems that her husband had taken their newest car and left her with an old clunker that quite frankly if it had been a horse the kindest thing you could do would be to shoot it.
She has a new job that actually pays her more money than her old one did but she had only worked there about three months, hardly a career job yet. She desperately needed a newer car but she knew her credit score wasn’t the highest, so she was looking for a bad credit car loan, which most dealerships don’t like. In fact, she had shopped two dealers already but couldn’t get conventional financing. Could I help was what she really wanted to know.
The first thing I asked her to do was go to our website and order her credit report and to also order the credit score. She needed to find out why the lenders were turning her down. If there were some issues from her husband and hers mixed credit she might be able to get them removed using a credit attorney like Lexington Law. This would increase her overall score and get her out of the “bad credit car loan” range.
Then I explained to her about getting a pre-approved car loan. The car loan folks we recommend specialize in helping people like my friend. And they don’t just offer auto loans to people with bad credit, they offer competitive car loans to anyone! So once her score had improved she could still contact one of them and get pre-approved for an even better interest rate!
The way it works, I explained, was with the pre-approved loan you know exactly how much car you can get BEFORE shopping - not the other way around. I recommended that she read the articles that we have on our site, since my daughter and I have both sold cars we know the tricks they will try to pull. This way she would be armed with the best information for car negotiating and be pre-approved!
My friend followed my advice. She pulled her credit. Found a couple errors on it from her “married days.” Had Lexington Law take care of them in less than a month and viola! A few weeks later my old friend pulled up in front of my house to show me what she had been able to buy! She was grinning so big that you know what - she looked 20 years younger!
For more credit help, please visit our site. We have been there and know how bad credit can affect everything, including your health. Take a look!
If you know someone struggling to quit smoking we found a great site that offers genuinehelp. You can Quit!!
Here is a great site for some wonderful Spiritual articles, short stories, plays, family stories, Bible studies etc. Check it out.
