SIX BAD CREDIT ITEMS YOU NEED TO AVOID

Banks, creditors and lenders all use your credit report as an indication of your financial standing. Unfortunately, it is quite easy to have a mishap in terms of your credit. Though some of these mistakes are unintentional, here is a list of items you should hope to never grace your report. Any delay in repairing your bad credit could cost you thousands of dollars that could be saved for your retirement, your child’s tuition, or that vacation you’ve always wanted. 1. Bankruptcy: Though filing for bankruptcy allows you to legally remove some, if not all of your debts from your open credit account(s). Each of the accounts reported on the bankruptcy file typically stays on your report for seven to ten years, or at least until you begin repairing your credit. 2. Debt collections: debt collections are listed as a “collection” on your credit report by a creditor after a period of non-payment. A creditor might even go as far as hiring a third party debt collection agency to try to collect the money you owe. 3. Foreclosure: defaulting on a mortgage loan will most likely lead to your home being auctioned off to recover the lost payment. Having an item like foreclosure on your credit report can seriously limit your ability to take out new lines of credit, as it stays on your credit report for seven years. 4. Charge-offs: not paying a bill for six months will result in your creditor adding an item to your credit report called a “charge-off.” Because of the lack of payment, your account is deemed as uncollectable and this item remains on your report for seven years. 5. Lawsuits or judgments: if you fail to pay a debt, a creditor could take you to court. If the final judgment is ruled against you, the outcome of the lawsuit will remain on your credit report for seven years. 6. Tax lien: whenever you don’t pay taxes on your property (including your home), the government has the power to seize your property and auction it off for the lack of payment. Even worse? If your home is foreclosed due to a tax lien, you are still responsible for the mortgage payment. Not paying this mortgage payment can worsen your credit history even more. Unpaid tax liens typically remain on your report for fifteen years, while paid tax liens remain on your report for ten years. www.accurise.com/

Still Counting…Crosses in Lafayette, California


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Not as bad as Viet Nam, no , not quite yet,
But where’s the fight against Jihad & Islam, how will we ever repay our debt,
To the families who have sacrificed for untruths to fight in Iraq,
We’re not paying attention, other countries, Al Queda, they’re taking stock
Iran, Pakistan & N.Korea are planning, making nuclear weapons,
All while we misuse our brothers, fathers, and our sons,
Now our country is hit the bottom, we’re in total hock,
0Billion owed to China, lining pockets of the Bushes, Saudi’s and Exxon,
The last eight years, is it stupidity, bad management, or just a con?
To our soldiers and armed forces I feel fear, and I pray,
That your bravery is so diminished by political decay.

Why Do You Need Debt Management?

These are normal situations these days but you can take help of a debt management program.

Why do you need debt management?

Modern financial firms and banks have made your life very easy. You can use various financial instruments in order to fulfill your long-term and short-term needs. This is a general trend these days. People are using various secured and unsecured loans for buying luxury materials and necessities. Many options are available in the loan market for different needs like personal loans, debt consolidation loans, bridging loans etc. People are availing these loans very easily these days by applying for them online also. Keeping many credit cards is also a trend. Sometimes it becomes difficult to manage these debts. Credit rating is always at stake if you become a defaulter. You can avoid the mismanagement of debts by using a debt management program.

What is debt management?

Debt management program is a good option for you to avoid a financial crisis. Debt management involves designing of a financial plan for debtors who are facing debt issues. It involves an arrangement in which the credit counseling or debt counseling agency negotiates with the creditors on various issues. It negotiates to get a discount on the debt amount and reduce or freeze the interest rate. It can also provide direction to the lenders so that they may waive the late fees to make the monthly repayment of the debtors more manageable. Debt management is a great relief if you are facing a serious debt problem.

How to do debt management?

You can do proper debt management by choosing a debt management plan. You are advised to choose a legitimate credit counseling agency that can help you in resolving your debt issues. This credit counseling agency will get to understand your financial conditions and then gives you important advices. It provides useful advice according to your available options to resolve your debt issue. Now the counselor may propose a debt management program. If you want you can also enroll into that program to resolve your debt issues.

Nowadays you can take online help from reputed credit counseling agencies. The agencies provide debt management help by advising debt management plan. In these plans you may have to deposit a particular sum with the agency and the agency will repay all your debts on time. You don’t need to go to the bank to deposit the dues. The agency calculates how much money you need to deposit with it. A poor credit history must be avoided in any case and a debt management program is a great help for that.

Damned by Debt Relief challenges the Live8-G8 debt relief jamboree. Eloquent and angry Ghanaians cut through the spin and explain; debt relief provided no new money and draconian conditions applied. Damned by donor diktat, Ghanaians are not impressed by the West’s supposed largesse. For the full story — a 28-minute documentary now available on DVD — please visit our website at www.worldwrite.org.uk/damned/dvd.htm
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What You Need To Know About Online Accounting Degrees

If you’re a student who enjoys working with numbers, finances, and money, a career in accounting may be perfect for you. There are many online accounting schools that can offer you the tools and the skills you need to succeed as an accountant.

With an accounting degree, you have the potential to work in a variety of different fields related to accounting. There are four main job opportunities within accounting: public accountant, private accountant, government accountant, and internal auditor.

As a public accountant, you can work as a self-employed individual who assists people with their taxes and financial advising, among other things. You may choose to focus on one area, such as tax management, and only offer that service to clients. You could also choose to offer a variety of services to your clients. Many public accountants work with retirement funds, financial planning, and advice on how best to handle funds and work benefits.

Accountants can also get hired by a company as a private accountant and work as a full time advisor to that specific company. They might help a company with budget analysis, information technology consulting, or keeping their financial records up to date. They will often help out the company’s production team and assist them in figuring out the best way to spend their money and make a profit, and they keep track of the company’s spending habits.

Another option is to get a government job for either the state or the federal government. The main task of government hired accountants is auditing. This is when an accountant looks into the tax records of a company or individual and makes sure that all of the information that person or company submitted to the government was accurate. Auditors must investigate a variety of financial records and be able to analyze them for authenticity. Government hired accountants are also needed for other tasks, including keeping track of the government’s expenses and assisting with financial management and budget analysis.

An internal auditor is an accountant hired by a company to ensure that all of the company’s financial records and dealings are accurate. If the government chooses to audit a company, they will be assured that there is not any fraudulent activity going on because the internal auditor will make sure that they know everything that is going on with the company’s money. Internal auditors make sure that all of the company’s finances and practices are in compliance with the government’s rules and regulations.

Once you have an accounting degree and you want to increase your job opportunities, you can go on to become a certified public accountant, or CPA. Becoming certified will help enable you to get a better, higher paying job, and is a good way to establish credibility and reliability with clients in the field. In order to become a CPA you need at least a bachelor’s degree in accounting and depending on your state you will need a certain number of years working in the field. Once you have those things you are able to take the exam to become a certified public accountant. If you pass you will become certified.

Accountants are able to make a good salary. According to the Bureau of Labor Statistics, the average salary made by an accountant or auditor in May 2008 was ,430 a year. However, this can vary to be anywhere from ,000 a year to over 0,000, depending on your qualifications, certification, and the branch of accounting that you work in.

Job prospects look good for accounting, because it is a field that always needs people no matter what state the economy is in. Employment rate of accountants is expected to increase in the next few years, and there should be many job opportunities. Accountants that have earned the certified public accountant title will be in an especially good position to find a well paying job. Those who are able to use computers well and are proficient in the latest accounting software will also have an advantage in the job market, as more accounting is being done on computers and online in recent years.

In order to get a well paying, successful accounting job, you will need to get an accredited degree from a good school. There are many online accountant schools that offer training in accounting. Getting your accounting degree online is easy and convenient, especially for stay at home moms or people that currently have other jobs and are looking to switch careers. You can get an accredited degree in accounting online while still balancing your family and work life, instead of having to attend classes on a physical campus. You can get a good education that leads to an excellent job by receiving your degree online.

twitter.com An actual *mini doctrine* this time, just a hello to all my new viewers and subscribers. Music provided by Sabzi from the Blue Scholars.
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credit cards


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livin’ on a ‘credit’…

Need to fix a bad credit score?

New reports out show that about 43-million of Americans have a credit rating so poor that getting a loan is much more difficult, and when they do much more expensive.

“It can affect your borrowing costs, the amount you’ll pay to finance cars or homes or, certainly credit card rates,” notes Morningstar Financial’s Christine Benz.

A bad credit score can even affect your ability to get a job.

“Some employers actually check up on credit ratings when they’re hiring,” Benz says.  “So, it can actually affect your future employment history as well.”
Personal finance advisors are busy these days doling out advice on how to raise your credit rating and shed the reputation of a being credit risk.

Credit cards are usually where they begin, because that’s usually where poor credit is born.

“If you have a credit card with a ,000 credit limit and you have ,000 in debt on there, that’s not going to look good,” says personal finance consultant Bob Sullivan.

Advisors say getting credit card debt below 20-percent of maximum limit should be a priority.

“Do that to all your credit cards, march through them one at a time and that’s the best way for you to quickly raise your credit score,” advises Sullivan.

AnnualCreditReport.com is one place to get a history of your credit, but you’ll have to pay to see your credit rating.

Contrary to what you see on some tv commercials there is no way to get your credit score free of charge.

Need to fix a bad credit score?

Angie’s List: Energy tax credit
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Student Loan Podcasting Presentation at PESC


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My presentation at the 4th Annual Standards and Technology Conference in Washington, DC

Need Quick Student Loans Even With Bad Credit

Are you in need of funds to finance your child’s college education? Have you been hunting for days for a kind hearted lender who can provide your child with the quick student loans he needs to enter college? Are you currently holding a bad credit record with lenders? I have four words for you – You Are Not Alone! I meant to say this to encourage you. Many parents are feeling the same way as you do. Parents always want the best for their child and this include a good education. Good thing even with bad credit you can get the student financial aid loans you need to fund your college education.

What are student loans and why do parents and students resolve to this kind of loans?

A student loan or student financial aid loans are primarily intended to assist students pay for university tuition, books, and living expenditures. It varies from other types of loans. Generally, the interest rate is notably lower and the repayment schedule is postponed while the student is still enrolled in school. With that said, student loans are indeed beneficial for many students.

How to get student financial aid even with bad credit:

True enough, no one wants to lend money to a person with bad credit record. Nonetheless, this trend is adapting and financial institutions are now offering loans to people even with bad credit records.

It doesn’t matter if your credit is bad, your child can still go to college and achieve his dreams. Federal Stafford Loans, Perkins Loans, other non-credit based government loans thankfully are available to help student acquire the loans they need to enter college even with bad credit record.

Federal Stafford Loans

The federal Stafford Loan has two types: subsidized and unsubsidized. These two does not require the borrower to have the perfect credit record. It is true that it doesn’t matter how clean or dirty your credit record is. That is why many students opt for this financial solution.

The difference between subsidized and unsubsidized Stafford Loan is that the former is awarded to financially needy students. If the students were able to qualify, the federal government is the one responsible for paying the interest due periodically while the student is in school and for the six month allowance between graduation and repayment. The latter, on the other hand is accessible for all students at any case. The main dilemma here is when the student depend on this loan solely. Since they depend on it solely, students in the long run acquire multiple student loans, which pose a significant concern in their future credit problems.

Perkins Loans

Perkins loans offer low-interest loans to help needy students fund for their postsecondary education. In a ten-year repayment period, this type of loan holds a fixed interest rate of 5%. The Perkins Loan Program has a nine-month moratorium, so that students could begin repayment in the tenth month upon finishing their degree.

Non-Credit Based Government Loans

Private student loans are intended to make up for federal student loans. But not replacing the latter. Since many students, feel that federal loans aren’t sufficient to cover the entire college expenses. Commonly, this is what students choose to obtain in order to sustain their college education.

In summary, if you want your child to go to college but money issues are holding you down. Fortunately, there are now a great selection of student financial aid loans that you can choose from. But before you apply, learn the terms and conditions of such financial solutions before signing up for the student loans application.

COMPLAINT #1 (Office of Inspector General / Department of Education) “Anyone suspecting fraud, waste or abuse involving Department of Education funds or programs should call or write the Inspector General’s Hotline.. OIG Fraud Hotline” ~ ed.gov Sallie Mae was the _only_ financial lender involved in the diploma mill fraud… and now ask Congress for a bail out?? GO TO GOOGLE AND RESEARCH THESE 2 THINGS: 1. Westwood Diploma Mill Scam 2. 60 Minutes Sallie Mae Fraud Students say college misled them Tuesday, February 22, 2005, By BYRON HARRIS / WFAA-TV “The sales pitch said Westwood is accredited; students said that led them to believe the school has the same academic status as well-known colleges and universities. But the sales pitch doesn’t mention the fine print on the back of the contract, which said “Westwood College of Technology makes no guarantee of credit transfer.” In fact, these students found that when they presented their Westwood transcripts to other schools, the reaction was anything but positive.”You can just keep this … because we don’t recognize this institution as a school,” Moers recalled one school’s representative as saying. Westwood is headquartered in Denver, and claims it’s been around for more than 50 years. However, Colorado state incorporation records indicate the current owner began business in 1986. …talk with News 8 about complaints against the school, but when a crew got there for our scheduled interview, two representatives from the home …
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