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Monday, 10 October 2011
This Week's Top Web Comedy Video: Let Me See Your Balls! A Music Video [Video]
Sunday, 9 October 2011
Upstart Business Consulting Group Launches New Website ...
Irvine, CA (PRWEB) July 18, 2011
Upstart Business Consulting Group provides comprehensive Business Plan books that help individuals start a profitable company with an initial capital requirement of $ 10,000 or less. Each business plan is researched and written by successful entrepreneurs for products and services across a broad range of industries. In addition to paperback books, Upstart Business Consulting Group has launched e-book PDF?s through their website.
?New entrepreneurs may not have the necessary knowledge or experience that is required when developing a business plan,? says Tim Roncevich, the co-founder and award-winning business plan writer. ?We saw an opportunity to help other entrepreneurs start a small business. After all, small businesses are the foundation of the American economy.?
Working with successful entrepreneurs in their specific industry, Upstart Business Consulting Group has unveiled business plans in the following industries:
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Saturday, 8 October 2011
Auto Repair in Chesterfield, MI-Call (586) 630-4126
[unable to retrieve full-text content]Do you need an auto repair shop in Chesterfield, MI? According to the FTC's Consumer Protection page, when choosing a car repair shop it's best to shop.
Source: http://www.localbusinessreviews.net/auto-repair-in-chesterfield-mi-call-586-630-4126-2
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Video: Trade the Google Downgrade
Sorry, Readability was unable to parse this page for content.
Source: http://www.msnbc.msn.com/id/21134540/vp/44793908#44793908
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Friday, 7 October 2011
Personal Bankruptcy Filings Fall, But That's Nothing to Cheer About ...
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Home / Wealth / Personal Bankruptcy Filings Fall, But That?s Nothing to Cheer About
October 6th, 2011
DailyFinance
By: Sheryl Nance-Nash
In the current cloudy economy, finance experts and everyday folks are constantly hunting through the news and statistics for silver linings. So it would surely seem a good thing that in the first nine months of this year, personal bankruptcy filings decreased 10% compared to a year earlier, according to the American Bankruptcy Institute ? but experts say hold the applause.
While we might want to take some comfort in the fact that bankruptcies declined from last year ? which had the highest number of filings since 2005 ? truth is, it?s not necessarily good news.
?People file bankruptcy because of financial distress,? explains David Leibowitz, co-chair of the Consumer Bankruptcy Committee of the ABI. ?They are afraid of losing their houses, getting their wages garnished or losing their personal property. If the personal property is exempt, as is often the case for people who have little in the way of assets, if they no longer own their own home as is more and more frequently the case, if the home has no equity, which is very often the case, or if they are unemployed, then people who owe money for credit cards, medical bills and the like are said to be judgment-proof. There?s no need for them to file bankruptcy.?
Then too, once you file a bankruptcy case, you can?t file again under Chapter 7 for eight years. With well over 10 million bankruptcy cases in the past eight years, that?s a lot of people who are ineligible to file again, says Leibowitz.
?The fact is, bankruptcy cases continue to be filed at high levels. This is reflective of the very poor economy and does not necessarily reflect a leading economic indicator of better times to come,? says Leibowitz.
A Range of Economically Unhealthy Explanations
Something else could be going on too. Creditors are working with consumers more than they ever have in an effort to just collect something. ?I see a lot of people at all income levels that are a paying a fixed monthly payment on credit cards which they negotiated better rates with the credit card companies,? says Julie Murphy Casserly, president of JMC Wealth Management.
Also, she says, consumers are able to easily walk away from bad home purchases though short sales or foreclosures, either of which can shore up their financial position a lot. And thanks to the sheer volume of home loans in default, homeowners are able to skip paying their mortgages for 18 to 24 months before a bank gets around to kicking them out.
David McClough, assistant professor of economics at Ohio Northern University, certainly sees nothing in the numbers to cheer about either. ?Consider, for example, how the financial crisis, recession, housing crisis, and jobless recovery undoubtedly moved forward many bankruptcies that would have been delayed,? he says. ?In this case, the decline implies that more people declared bankruptcy sooner and thus have struggled with the consequences longer. This is not a good thing.?
The 2005 Bankruptcy Act, made it more difficult for individuals to file personal bankruptcy and see a full discharge of their debts. Consequently, many who file will have to pay some of their debts over time. That means filing bankruptcy is no longer the golden parachute it once was.
?This could discourage the greater number of filers,? points out Jeffrey Verdon, a tax and estate planning attorney with the Jeffrey M. Verdon Law Group. He has another suspicion: ?The extension of unemployment benefits may have had an affect on the number of those who file for personal bankruptcy.?
Others suggest the dip may be temporary. ?As foreclosure filings again reach lofty levels, the bankruptcy filings will again spike as people file to slow down the foreclosure sale,? predicts Ted Connolly, a bankruptcy lawyer with Duane Morris and author of Road Out of Debt.
Simply put, there are better tea leaves for reading the economy than the bankruptcy numbers. ?Mortgage foreclosures and depressed real estate values continue to be a drag on the economy,? says the ABI?s Leibowitz. ?The best indicator of better times to come is the level of unemployment, which remains persistently high. Interestingly, temporary employment is increasing. This might be a leading indicator of better times to come.?
Connolly, keeping it real, says: ?The decrease in filings is too insignificant to portend an improving economy. Instead, the filing numbers continue to show a weak economy, teetering on the brink of a downward fall.?
Click here for the full report from DailyFinance
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Thursday, 6 October 2011
Online Gaming Addiction Is On The Rise | Welcome to ...
It comes as no real surprise that the current boom in online gaming is creating some casualties. It has become really easy to play online games these days and that is why the numbers are increasing. We are also finding that another main reason for online gaming becoming really popular is the fact that it is now possible to mix it with social media. This is a pastime that many people will spend hours on so it would not be wrong to say they are addicted. It is never good to get too much of something and this is very true in terms of online gaming.
Gaming is something that has come under a lot of fire from those who cannot see any good in it. They may view it as a waste of time and just an excuse to be lazy. This is not actually very fair because it is not the gaming that is the bad thing. In fact it can be a highly beneficial way to spend a bit of time. Anything that can reduce stress must be a good thing because of the effects that stress can have on us and gaming is said to reduce stress. A lot of people will also use online gaming as a way to socialise because they play the games through social media. Games have always been used by humans to build up relationships and to break the ice.
Online gaming only becomes a bad thing when people allow it to take over their lives. Problems occur when these people stop playing games because they want to and start playing them because they have to. Online gaming will then become problematic instead of being a good thing. Gaming needs to be effectively dealt with when it becomes an addiction. There are a number of groups now that are devoted to helping people overcome their online gaming addiction. Such groups can help people get their life back.
A lot of people enjoy playing online games today. It gives them a chance to relax and unwind from the grind of day-to-day life. There are very popular online games around at present, but amongst the most popular are Angry Birds.
Source: http://www.darylraycarliles.com/online-gaming-addiction-is-on-the-rise/
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Wednesday, 5 October 2011
AP Interview: Nobel Peace Prize winner 'obvious'
Thorbjoern Jagland, General Secretary of the Council of Europe and Norwegian chairman of the Nobel Peace Prize award committee gestures during an interview with the Associated Press at his office at the Council of Europe in Strasbourg, eastern France, Wednesday, Oct. 5, 2011. Jagland says his panel has already decided on its laureate for this year and he is confident that the selection will be well-received. (AP Photo/Christian Lutz)
Thorbjoern Jagland, General Secretary of the Council of Europe and Norwegian chairman of the Nobel Peace Prize award committee gestures during an interview with the Associated Press at his office at the Council of Europe in Strasbourg, eastern France, Wednesday, Oct. 5, 2011. Jagland says his panel has already decided on its laureate for this year and he is confident that the selection will be well-received. (AP Photo/Christian Lutz)
Thorbjoern Jagland, General Secretary of the Council of Europe and Norwegian chairman of the Nobel Peace Prize award committee gestures during an interview with the Associated Press at his office at the Council of Europe in Strasbourg, eastern France, Wednesday, Oct. 5, 2011. Jagland says his panel has already decided on its laureate for this year and he is confident that the selection will be well-received. (AP Photo/Christian Lutz)
Thorbjoern Jagland, General Secretary of the Council of Europe and Norwegian chairman of the Nobel Peace Prize award committee gestures during an interview with the Associated Press at his office at the Council of Europe in Strasbourg, eastern France, Wednesday, Oct. 5, 2011. Jagland says his panel has already decided on its laureate for this year and he is confident that the selection will be well-received. (AP Photo/Christian Lutz)
Thorbjoern Jagland, General Secretary of the Council of Europe and Norwegian chairman of the Nobel Peace Prize award committee gestures during an interview with the Associated Press at his office at the Council of Europe in Strasbourg, eastern France, Wednesday, Oct. 5, 2011. Jagland says his panel has already decided on its laureate for this year and he is confident that the selection will be well-received. (AP Photo/Christian Lutz)
STRASBOURG, France (AP) ? This year's Nobel Peace prize winner is "obvious," the chairman of the prize committee says, and he's surprised that "commentators and experts" haven't picked up on it.
With upheaval in the Arab world and Europe's spiraling debt crisis among the top issues in a turbulent year, Thorbjoern Jagland didn't name the much-anticipated winner who will be announced Friday in Oslo.
But in an interview with The Associated Press, Jagland did give a few clues into the thinking of the Norwegian Nobel Committee that awards the prize.
The deadline for nominations was Feb. 1, and committee members could add their own suggestions until Feb. 28. Jagland said it was "not necessarily" too late for consideration of leaders of the Arab Spring revolutions, which toppled Tunisia's longtime autocrat in January and then spread from there.
"We saw many of the (Arab Spring) actors at the time, but that doesn't mean that the prize goes in that direction, because there are many other positive developments in the world," he said.
"The most positive development will get the prize," Jagland said. "So I'm a little bit surprised that it has not been already seen by many commentators and experts and all this because for me it's obvious."
Jagland said the independent, five-member committee decided upon the laureate at its final meeting Friday. But keeping one of the world's biggest annual secrets appeared tough.
Asked if the Arab Spring might be a source of the honoree, he said: "That is one, but there are others too."
Some speculation has centered on the 27-nation European Union, which many consider a peace-building institution. Although Norway is not an EU member, Jagland is a strong supporter of the bloc.
"Yes, of course, but today it's ..." he said, his voice trailing off for 10 seconds of silence before a press handler intervened.
Would it be a big name?
"Not necessarily a big name, but a big mission ? something important for the world."
Jagland, a former prime minister of Norway, and the committee have courted controversy with its selections since he became its chairman in 2009. That year, U.S. President Barack Obama won, drawing criticism among some domestic political opponents. In 2010, the prize went to the imprisoned Chinese dissident Liu Xiaobo ? a move that sparked fury in Beijing and Chinese retaliation against Norway.
Jagland spoke to the AP from his office at the Council of Europe, the 47-nation body that works to promote democratic principles, shortly before leaving for Oslo.
"For me and the committee, I think it's quite obvious if you look at the world today and see what is happening out there," he said. "What are the major forces pushing the world in the right direction?"
Associated Press
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