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2011, Buh-Bye!
From Charlie Sheen’s #winning tweets to the debt ceiling crisis and global protests, it seems the whole world went nuts in 2011. Join us as we reminisce about the most notorious moments of the year in our 7th annual year in review… this time sung by a popsicle stick puppet choir! 2011, Buh-Bye! Lyrics Two Thousand Eleven was hairy, A year unlike any we’ve seen. There were Schweddy Balls from Ben & Jerry, And a warlock assassin named Sheen! Winning! Lohan! Strauss-Kahn! Mitt Romney, Rick Perry and Cain- THREE 9s! Big Trials! Love Childs! Two Thousand Eleven, buh-bye! AGHAGHAGHAG! The S&P blew up our rating. The job market stayed in a slump, a slump. The debt ceiling kept us debating While Weiner just tweeted his junk! Tax more! Class war! I nearly got hit with a pie! Banzai! Health threats! Greek Debts! Two Thousand Eleven, buh-bye! The whole Arab world was rebelling. So long, Moo-a-mar Ka-da-FAY! While soldiers were asking and telling… We told the whole world, “We’re not gay!” We finally took out bin Laden. Japan had one hell of a year! (A year) There were riots in Britain — How rotten! The rapture! Not yet, but it’s near! (Next year) Got hitched! Got ditched! Got knocked-up, Went bankrupt, We unsubscribed! Hairspray! Friday! Two Thousand Eleven, buh-bye! There were Occupy Wall Street protesters, And folks who will surely be missed, Falling satellites! Panicked investors! There’s just way too much stuff to list! (To list) Quakes! Crimes! New signs! Loose Lions and …
Video Rating: 4 / 5
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Budget Friendly Surround Sound
A good home theater and surround sound system for your movie enjoying pleasure is a rather large investment for the common movie buff-at least if you are purchasing a really high quality system for your home theater or media room. This isn’t to say that you cannot find decent surround sound systems for small spaces that come with much lower price tags than you will ordinarily find on the market. In fact, there are many ways in which you can buy a decent surround sound system for a small room even if you are limited by budget constraints.
Second Hand Systems
Buying second hand from Ebay carries some degree of risk but a reputable seller is often a good place to start. There are some people who simply can’t stand to have technology that is 6 months or even 6 days for some matters, old. Their loss is your gain as you can score a really nice surround sound system, speakers included at amazingly low prices if the bidding works in your favor and you know a little about brands and quality. Pawnshops and electronics consignment stores are other good places to find bargains on this particular sort of equipment.
Buy Boxed Sets
I’m typically opposed to box sets when it comes to electronics as there have been many instances in the past where these were merely a method of pawning off inferior goods on an unsuspecting public. However, big names such as Bose have gone over to the dark side so to speak and are beginning to offer box sets of surround sound speakers at surprisingly and amazingly reasonable price tags. There are cheaper brands than Bose, don’t get me wrong, I use them as an indication of the wide variety and standards you will find in surround sound speaker systems that come in box sets today. The good news is that you can get really good prices on speaker systems such as this if you are willing to shop around.
Compare Prices
It really does pay in this day and age to do just that. Even if you have a favorite retailer chances are that you could get a better price through them by doing a simple search online and looking for a lower advertised price. If not, it might be worth your while to go with the Internet provider this time and save your money for DVDs and music with which to enjoy your new surround sound system. I also recommend seeing what local competition has to offer; you’ll be amazed at some of the wonderful bargains you can find by walking into a store on any given day. I know that stores like Circuit City have great bargains on featured items during the week in order to boost sales. You never know when one of those items might be an outstanding surround sound systems or a phenomenal set of speakers.
Wait it out
If you have your heart set on one surround sound system and nothing else will do, then it may be in your best interest to wait until the price drops. In electronics terms that often means waiting about 6 months or until the next consumer expo event (this is when all the new technology is introduced, which makes all the existing technology drop its prices in order to seem more appealing). Both of these options may seem unappealing but can mean very real and very significant savings on your part if you are willing to wait in order to get what you really want. Not only does this give you time for the prices to decrease but also for the size of your savings to increase.
While shopping on a budget isn’t always the preferred method it is very possible to get a decent home theater or surround sound system
When Micro-financing Meets Social Networking: What Every Financial Institution Should Know About Peer-to-Peer Lending
Article by Clifford Brody
In todays economy, many banks are tightening their belts and increasing restrictions on the size of the loans they are willing to extend, and the people they are willing to extend these loans to. The credit crunch has affected people all over the world who are in need of consumer loans to pay for expenses and mounting debt. Many are beginning to explore lending solutions other than traditional bank loans to secure the financing they need. Faced with the challenge of finding a lender, many individuals are turning to anonymous lenders for help, via the Internet.
Peer-to-Peer (P2P) lending is a growing trend that utilizes the power of the Internet, the proliferation of social networking sites, and the popularity and effectiveness of microfinancing to bring together individuals in need of loans with other individuals who are looking to lend. In most cases both parties are complete strangers and never actually meet in person. Relationships are built and transactions are made completely over the Internet.
Since its inception in the mid-2000s, P2P lending has seen a massive growth in users and funded loans. Prosper.com, one of the industrys leaders, now boasts a member base of over 970,000 funding over 9,000,000 in loans. To keep up with trends in the industry, it is essential that financial institutions are fully aware of and understand P2P lending systems and processes. There is a very real possibility that P2P lending may someday become a bank-offered service, so it is vital that P2P lenders are adequately trained in regulatory compliance requirements for the lending industry.
How P2P Lending WorksThe P2P lending process operates through national websites such as peer-lend.com, prosper.com, and lendingclub.com, and internationally on sites such as zopa.com. These sites connect borrowers with little or no collateral and investors with a need to earn stable returns, allowing them to help each other outside of the bounds of traditional lending.
The process begins with the borrower expressing a need for a certain loan amount. The prospective borrower can provide as much information as necessary to prospective lenders, including his/her credit score, existing debt, the use of the loan and any financial or personal history or information s/he thinks would be important. Lenders then compete with each other to make the loan, bargaining on rates, and typically lending at lower rates for borrowers (averaging 10-16 percent) than are available with unsecured bank loans.
Lenders decide whether to invest their money in the borrower based on his/her past financial history, credit score, etc. However, since the process takes place on a person-to-person basis, instead of an institution-to-person basis, social and historical factors play a much larger part in the final decision to lend. For instance, lenders may search for prospective borrowers who share common interests or may lend based on the reason or need for the loan.
Once lenders make the decision to lend, the size of the loan is completely up to them. If a borrower is in need of an ,000 loan, multiple lenders may fund the loan, each lending anything from to the full ,000. This technique decreases each lenders returns; however it also dramatically decreases the risk to each individual lender. Since the loan amounts are so small and the possible returns higher, P2P lending can be lucrative for many small-time investors.
When enough bids are gathered to complete the full loan, the amounts are deducted from each lenders bank account and deposited into the borrowers account. The borrower then makes regular direct monthly payments of principal and interest to all of the lenders, typically through the P2P website, until the loan is completely paid off.
Risks of P2P LendingInstitutions and individuals considering P2P lending must be aware of the inherent risks of the system. For instance, what happens when people do not repay these loans? Since loans are made and distributed online between strangers, what is stopping people from simply taking the money and running?
Surprisingly, the majority of P2P lending sites boast dramatically small default rates (some as low as 1.7 percent), far below those of traditional bank lending. Experts and industry insiders cite the small loan amounts, low interest rates and personal relationships developed through the social networking aspects of P2P lending as the reasons for its low default rates. However, these lenders arent relying solely on these factors to ensure the security of loans made through their sites. Many P2P services hire collection agencies if borrowers fall behind on payments, typically sending requests for payments after just 30 days. P2P services have also begun reporting to credit bureaus to further solidify the online lenders as legitimate sources of safe loans.
Regulating P2P LendingThe Securities and Exchange Commission (SEC) filed a cease-and-desist order in November 2008 against many P2P lending sites, which remained in enforcement until they officially registered with the agency. Eventually, the SEC declared that loans used in P2P situations would be classified as securities. These websites then issued promissory notes, which were sold to lenders, and registered every existing and new loan as a security with the SEC.
Currently, large P2P sites such as prosper.com have argued against SEC regulation, citing that they are not investing entities as much as they are lenders, whose regulation should come from the Consumer Financial Protection Agency. However, since these sites operate outside of the traditional banking system and are still in their infancy, classifying and regulating them appropriately may take time. For instance, these entities are not insured or regulated under the Federal Deposit Insurance Corporation (FDIC) (as is done for online banks) since they cannot be classified as financial institutions. As their popularity grows, changes in legislation may occur to account for new technologies and financial systems.
A global compliance foundation is a necessity to all lenders, and it is vital that P2P lenders are trained accordingly. To comply with federal, state and global lending regulations, P2P lenders should be knowledgeable in the following areas of compliance:
Regulatory Agencies. Audits and Examinations. Bank Secrecy Act (BSA). USA PATRIOT Act. Right to Financial Privacy Act. Truth in Lending Act. Fair Lending. Equal Credit Opportunity Act (ECOA). Fair Credit Reporting Act.
Compliance training for P2P lenders should address trade practices such as unfair credit practices, discrimination and disclosure requirements, interest rates and fees and important laws and regulations.
Benefits and ReturnsIndividual lenders using P2P services do so for a multitude of reasons. Direct P2P lending is both a sound investment with high rates of returns (9 percent on average), and a morally fulfilling venture.
Many P2P lenders have also seen impressive returns with small risks. Similar to bank-regulated microfinance services, small amounts are loaned to customers for a small fee., Since most P2P lenders lend typically anywhere from to 0 per loan at a rate of 16 percent, returns can be significant for these small-time investors, while losses (although rare) are almost insignificant.
Sites and institutions that facilitate P2P loans have also reaped the benefits of this new system. Many have seen incredible growth, either by charging membership fees or by taking a percentage of each loan. With the steady growth in world-wide popularity and the proliferation and automation of the process, these sites and institutions have increased their profit share while providing a valuable and helpful service to people all over the world.
Final WordSince its inception, P2P lending has grown in popularity as sites continue to sprout up all over the world. Industry insiders have projected that P2P lending will only continue to grow as the process leaves its infancy and moves into the mainstream. As P2P lending continues to mature, many customers are already looking to their banks and bank employees for information and advice on P2P lending and investing. All financial institutions must keep up-to-date on these and other growing trends in Internet investing and alternate lending sources in order to provide their customers with sound advice and industry insight, and to ensure that the P2P lending services their customers are using are safe and compliant.
Clifford Brody is Founder & Chief Executive Officer of The Edcomm Group Banker’s Academy http://www.bankersacademy.com a 23-year-old education and consulting firm dedicated to serving Banks, Credit Unions, Money Services Businesses (MSBs) and all areas of the Global Financial Community with thousands of generic and customized training programs in areas such as BSA/AML, Regulatory Compliance, Teller Training, Systems Training, Sales and Service Training, and many more.
The Edcomm Group Bankers Academy http://www.bankersacademy.com is headquartered in New York, NY. For more information, email cliff.brody@edcomm.com or call +1.212.631.9400.
The Debt – Official Trailer [HD]
Subscribe ow.ly | Facebook ow.ly | Twitter ow.ly Release Date: August 31, 2011 Genre: Thriller Cast: Helen Mirren, Sam Worthington, Jessica Chastain, Marton Csokas, Jesper Christensen, Ciarán Hinds, Tom Wilkinson Directors: John Madden Writer: Matthew Vaughn, Jane Goldman, Peter Straughan MPAA: R Studio: Focus Features Plot: The espionage thriller begins in 1997, as shocking news reaches retired Mossad secret agents Rachel (Academy Award winner Helen Mirren) and Stefan (two-time Academy Award nominee Tom Wilkinson) about their former colleague David (Ciarán Hinds of Focus’ “Miss Pettigrew Lives for a Day”). All three have been venerated for decades by their country because of the mission that they undertook back in 1966, when the trio (portrayed, respectively, by Jessica Chastain [soon to be seen in "The Tree of Life"], Marton Csokas [Universal's upcoming "Dream House"], and Sam Worthington ["Avatar," "Clash of the Titans"]) tracked down Nazi war criminal Vogel (Jesper Christensen of “Casino Royale” and “Quantum of Solace”) in East Berlin. At great risk, and at considerable personal cost, the team’s mission was accomplished — or was it? The suspense builds in and across two different time periods, with startling action and surprising revelations.
Consolidate Debt- Interesting Article For Consolidation Debt Program
Article by sudarsan chhetri
If you’re in the market scouting for the ideal debt consolidation loan for yourself to combine all your debt accounts into one, then you should probably look at what Bank of America (BOA) has to offer in this sense. Bank of America is undoubtedly one of the biggest names out there when we speak of banks and financial institutions in the United States. With a rich history and an ever-evolving set of programs deemed fit to aid consumers in terms of finance and allowance, BOA has always helped consumers cope with debts effectively, particularly those that have no fears of losing their homes and possess good cash flows. BOA’s latest in the field of debt consolidation is called the ‘Clean Sweep’.
If you are looking for information about consolidate debt, you will find the below related article very helpful. It provides a refreshing perspective that is much related to consolidate debt and in some manner related to credit and debt counseling, credit debt management, mo debt consolidation loans with poor credit or christian debt consolidators. It isn’t the same old kind of information that you will find elsewhere on the Internet relating to consolidate debt.
It is very important to opt a reputable Debt Consolidation corporate. You must choose a company that is in good standing with the Much better Business Bureau and has no formal complaints against them. Do not forget, you will have to give them all of your private information such as social security number, birth date and all of your credit card numbers and account information. If this information were to fall into the wrong hands you may easily become the subsequent identity theft victim.
Private bankruptcy must be a last resort in debt management and debt consolidation. If and only if you’ve exhausted all of your other options, you’ll declare bankruptcy. This gives you a court order saying you are no longer answerable for paying off certain debts. On the other hand, bankruptcy information remains on your credit report for 10 years. This can be a major roadblock in obtaining credit, purchasing a home, securing life insurance, or even getting a job.
BREATHER — As you pause on reading this article I hope it has so far provided you with insightful information related to consolidate debt. Even if it hasn’t so far, the remainder will, whether your interest is consolidate debt directly or other related angle such as mortgage quotes, financial help, low interest debt consolidation loan or bad debt consolidation loan.
Have complete information about your financial status: This should be your first step towards obtaining consolidation loans. Carefully assess the loans you’ve and interest rates you are paying. This information would be helpful when choosing a debt management plan with rates lower than those of the existing loans. The new debt consolidation plan selected need to be within up to date budgetary limits.
Your bills can be consolidated into one very manageable payment each month with debt consolidation. An unsecured loan may also not give you the best interest rates but with this variety of loan you don’t have to sign over any of your personal assets such as your house so as to get a loan. Your home will never be at risk from a consolidation loan with an unsecured loan.
Many people looking for information about consolidate debt also looked online for unsecured debt consolidation loans, credit counseling services, consolidate your bills, and even nevada non profit credit card debt consolidation.
Many students find it simpler and less time-consuming to turn in all their student loans for just one monthly payment. Based on their allowance history and the current interest rates on their student loans, thy may also even qualify for a lower interest rate.
So here is chance to get your free tips on consolidate debt and in addition to that get basic information on saving money visit unsecured debt consolidation
Choosing The Right Debt Relief Option
Article by E. Padro
Choosing the right option is not only challenging but a little tricky. Some people think it is easy, but if you dont know where to start and what to do youll be lost, and chances are that you make regrettable mistakes. The first thing you need to know, is to be aware that not all debt relief companies are reliable and truthful.
You can find or hear of fast solutions to your debts problem, but it is imperative that you be cautious doing all the necessary research before you opt for a program that suits your needs. Dont be fooled by deceptive promises because you are desperate to be debt free and want to act fast. It is not wise to jump to the first option you can get, you may regret it for a long time. Furthermore, if you study all the debt relief options available, requirements, benefits and drawbacks, youll be more skilled to ask the proper questions and choose the option that is right for you.
It is imperative that you do your homework first, study all the debt relief options available, and remember that this is a decision that will define your financial situation from the moment you sign on. Since you are reading this article, you are aware that all the information you need to be able to make the right decision can be found on the Internet. You dont need to fall into a fraud-trap, or the wrong debt relief option, if you do the proper research first.
Debt Relief Programs Available
Mortgage Refinancing Loan, Equity Line of Credit, Debt Credit Counseling, Debt Settlement, and Bankruptcy. Each program listed here offers either counseling or solutions for different financial scenarios. Make sure that you evaluate your financial situation first, so you can make the right choice. Each Program applies to different debt problems. You may qualify for more than one of them, but knowing which one is the best for you will save you time, money and frustration.
Debt Relief Option How do I Know if I Qualify?
This is the first question many people ask themselves and the answer is simple, analyze your financial situation. The first thing you need to do is a list of all your unsecured debts (credit cards debts, and/or, personal loans without collateral), write the total you owe in one column and next to it the monthly expenses payments, and add each list separately. This way you’ll know what your financial situation is and how much money you need every month to pay for unsecured debts, secured debts and monthly expenses. It will also help you find out if you qualify for a debt relief program.
Note: Include on the list the credit card number, 800 hundred number on the card, and address where you send your monthly payment. If you have a personal loan with no collateral, do the same, write the loan number, telephone, bank name and address where you send the monthly payment. Do this for all unsecured debts, secured debts and monthly bills.
It is important that you prepare these lists as accurate as possible. The debt relief company you choose will need all this information in order to be able to handle your debts. Doing this before you start your research, will speed up the process.
Debt Relief Option Research 3 Steps to Start Your Research
1. First, prepare a separate list for each option and write down the services each one offers, requirements to qualify, benefits and drawbacks.
2. Second, choose the program that offers the best solution to your financial problem.
3. Third, choose the Debt Relief Company to handle your debts.
Debt Relief Company 5 Steps to Choose the Right Debt Relief Company
1. Choose five or six companies, especially if the option you choose is the Debt Settlement Program.
2. Prepare a separate list for each company.
3. Check for complaints with the Better Business Bureau, and if they are members of the Fair Debt Collection Practice Act (FDCPA).
4. Once you have the above information, you can contact the companies and ask for information about their services.
5. Do not sign for their services unless you are sure it is the right company that can help you with your debt problem. You need to compare services of at least three debt relief companies.
Debt Relief Settlement Companies Some Of The Questions You Should Ask
1. How long do they take to settle the debt with your creditors?
2. Check the service fees, and if fees are paid up front, monthly, or when the debt settlement is complete.
3. Check if the fees are based on the debt amount settled or the original debt.
4. Check how long would it take you to pay the debt.
5. What is the negative impact on your credit rating, if any, how long?
6. Check if the debt amount settled is subject to taxes.
7. Check if the taxes on the amount settled can be waived if you are insolvent at the time of the settlement.
8. Check if they have been in business for 3 years or more.
This article is intended to provide helpful credit information to help you start dealing with your debt problems, and find the debt relief help you need to straighten out your finances.
E. Padro runs the Debt Relief Blog to offer credit information to consumers, who are searching for ways to get rid of credit cards debts, and provide them with steps to follow to find the debt relief they need. She also runs the site for debt relief where you can find help to handle your debt problems.
Student Loan Debt Collection
Article by Sergei Lemberg
There are some distinct differences between student loans and other types of debt. Those differences impact the effect that student loans can have on your credit as well as the recourse that you and debt collectors may have in trying to recover those loans.
Student Loans vs. Other Unsecured Debt
Student loans fall into the category of unsecured debt – debt that is not tied to a piece of collateral such as a car or your home. When you default on an unsecured loan, the lender, and by extension, any third party debt collector trying to collect on that loan, cannot threaten to take your home or car, garnish your wages or freeze your bank account. In order to do any of that, they need to go to court and obtain a judgment against you.
One of the defenses that the consumer has in the case of unsecured debt is the statute of limitations. Once a debt has reached a certain age, the debt holder or collector can no longer go to court to seek a judgment against you. The number of years varies from state to state, but every state has a statute of limitations to prevent debts from coming back to haunt you years down the line.
One difference between most unsecured debts and student loans from the Department of Education is that there is no statute of limitations. No matter how long it has been since you took out the loan, it is still legally enforceable. The holder of the debt can go to court to seek a judgment against you for the loan.
A second difference between most unsecured debt and education loans is that default student loans, unlike most other types of unsecured debt, are not discharged in a Chapter 7 bankruptcy. Except in the case of extreme financial hardship, which you must prove, you’ll still have to pay your education loans even if you file for bankruptcy.
Student Loan Debt Collection
The Department of Education also has a number of ways to collect on default loans that aren’t available to most bill collectors. They can, for example, “claw back” money by subtracting it from your tax refunds or from Social Security payments, as well as require employers to withhold wages from those who have defaulted on their education loans. The department sometimes sends loans to outside collection agencies. If your defaulted loan is sent to a third-party debt collector, you’ll be responsible for paying the collection costs. If you’re taken to court over a default loan, you’ll be responsible for paying the court costs.
Can You Dispute Student Loan Obligations?
There are three legitimate reasons to dispute loan obligations. The first is that you are not obliged to pay the loan. There are a number of reasons why you may not be obliged to pay the student loan. Generally, you must prove that you don’t actually owe the loan, such as when your identity was stolen or you didn’t sign the promissory note for the loan, or if you’ve already paid the loan or settled it in another way. There are also certain conditions under which your student loan may be forgiven, such as if you are permanently and totally disabled. There are a number of other, usually rare, conditions under which your student loan may be discharged.
The other two reasons for disputing your loan are to dispute the amount of the loan and to claim financial hardship. All of the situations where you may be able to dispute your student loan or attempt to have it discharged are complex and require a lot of legal work. A good collection attorney who works with student loan debt can work with you and help you to make the best case possible.
Third Party Debt Collection
The Department of Education releases a number of default loans to third party debt collectors each year. These agencies get to keep 25 cents of every dollar they collect, and are highly incentivized to do whatever they can to collect as much as possible. That being the case, it’s not unusual for these debt collection agencies to step over the line into illegal debt collection practices. Despite the differences between student loan debt and other consumer debt, those agencies that collect on student loans must abide by the Fair Debt Collection Practices Act just as any other debt collector must. If a student loan debt collector threatens, misleads, harasses or deliberately embarrasses you, they are guilty of violating the FDCPA and may face penalties for their actions. Don’t be a victim of unfair and illegal debt collection practices. A fair debt attorney can help you understand the law and what you can do to obtain justice.
Sergei Lemberg, Esq. is the Principal of Lemberg & Associates, a law firm specializing in fair debt collection law, NY lemon law, and other consumer law.
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