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Fighting Poverty One Woman At A Time
Inspiring and empowering stories about women who are being given a hand-up through the power of microfinancing. It is a novel concept that is having a load of success. As a business woman, I applaud this group that has gone above and beyond to help families through empowering women to be successful.

• Each year, more than 8 million people around the world die because they are too poor to stay alive.
• Over 1 billion people-1 in 6 people around the world-live in extreme poverty, defined as living on less than $1 a day.
• Over half of the world’s population-nearly 3 billion people-lives on less than U.S. $2 per day.
• More than 800 million go hungry each day.
• Every year, 6 million children die from malnutrition before their fifth birthday.
• Over 11 million children die each year from preventable causes like malaria, diarrhea and pneumonia.
• Every 3.6 seconds another person dies of starvation and the large majority are children under 5.
• Over 100 million primary school-age children cannot afford to go to school.

Unitus Battles Global Poverty Through The Microfinance Project
Microfinance is based on the belief that the poor need a hand up, not a hand-out. This new philosophy emerged in the 1970s in places like Bolivia and Bangladesh as social innovators began to offer financial services to the working poor - those who were previously considered “un-bankable” because of their lack of collateral. Once given the opportunity, not only did clients of microfinance institutions (MFIs) expand their businesses and increase their incomes, but their high repay…

Link to Unitus. Spread The Word and Change the World - One Woman At A Time

Help fight Global Poverty - Add a Unitus banner to your website and help raise awareness about this marvelous program.

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The media circus which ensued reached to the highest levels of the government, even taking this matter to the level of the Supreme Court and to the office of the President of the United States. Unfortunately, prior to her accident, Terri left no living will or advanced medical directive to clearly spell out her wishes were she to find herself in such a dire condition.

Technorati Tags: Advanced Directive, medical directive, Supreme Court, Terri Schiavo

Technorati Tags: durable power of attorney, medical power of attorney, power of attorney

Is it legal to put a bumper sticker on your back window in Texas?

My answer: I think you should be okay with the bumper sticker. I would check with a cop on the street if you’re nervous, unless of course you don’t like cops. I’ve never had any problem with bumper stickers in my back window as long as it didn’t obstruct my rear view mirror. Here’s an interesting fact I found though when trying to answer you question.

People who opt to exhibit their individuality through these decals often take part in more acts of road rage. Colorado State University social psychologist, William Szlemko, found that aggressive driving is linked to the number of markers a person has on his/her car, regardless of the messages portrayed. He says this idea is linked to the idea of territoriality. The more individualized the car, the more the person tends to think of public roads as his/her own.

So, while it may be legal, watch out for those road ragers -

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When you are in this type of predicament, options are few so bad credit loan company was the best I could get even though I was earning very well but useless managing my own finances. Unfortunately for me I had a spending problem which meant that I liked to have what I wanted immediately. You see small amounts build up slowly and it is simple to convince yourself that it will be easy to manage.

A little here and a little there over a few years soon mounts up into a substantial amount. Someone must have been watching me because just as it was getting out of hand I started receiving invitations for companies that deal with consumer debt consolidation loans. I don’t know how they knew but almost every day some consolidation loan company or other wanted to arrange a loan to help me out of my financial predicament. You really have to be careful with consolidation loans and here is why.

The odds of finding a decent company without some knowledge is quite low in fact you will be lucky to find one out of every four you contact, or contacts you to be honest. It is easy to be taken advantage of when you are down and this is what these consumer debt consolidation loan companies play on. Their story sounds so good that you are bound to believe them and accept their offer which will probably turn out to be a lie. Don’t give up at this hurdle though because persistence pays off as it did for me with the company that I finally decided to deal with.

You see what I didn’t tell you was I actually had experience in the financial sector and had some prior knowledge about offering loans and credit. It was this knowledge that helped finally sort this problem and locate a consumer debt consolidation loan company that was able to help. Two years later and I am still slowly paying the loan back but not the huge amounts I was every month, previously.

Technorati Tags: debt consolidation, finances, credit card debt

It is not uncommon to see lenders offering deals that are too good to be true. Loans agreed with a 15 year fixed mortgage keep the same interest rate throughout the entire life of the agreement. This is of great benefit for anyone that does not like surprises. Both my wife and I decided to research fixed rate mortgages when we started looking at homes for sale.

Even though it was important for us to pay off our loan at the earliest possible opportunity, we didn’t want high, unrealistic monthly payments which we would have trouble maintaining. When we considered fixed rate mortgages we also looked into even longer term loans that spanned 30 years as well. No-one likes the idea of having a mortgage when they are close to retirement, and we were no different, so it was still our hope that a 15 year fixed mortgage rate plan would still be an option. Too much pressure was placed on the early repayment of the mortgage loan.

Taking everything into account we finally went for the easier 30 year mortgage plan instead. There were many things that lead us into making this choice. The main reason was that I found out my wife was pregnant. My wife decided she wanted to raise our child at home so I couldn’t be certain of her monthly financial commitment to our household expenses. The financial commitment per month on the 15 year fixed mortgage rate was just too high. For us it just wasn’t feasible as we would just be in over our heads. The 30 year loan repayments were considerably lower than the 15 year figures.

If we have spare cash throughout the year then we can use it to reduce the capital sum. My making just a few of these payments each year we discovered that a number of years could be taken off the mortgage term. In the long term, this is a strategy well worth pursuing if you are able. It was hard going against our preference for a shorter term, 15 year fixed rate mortgage, but we had to think about more immediate needs and abilities. Anyway, everything worked out fine despite our hesitancy.

Unfortunately, despite longer lives, we are not generally healthier and insurance providers now routinely offer cover in their policies as there is a reasonably high probability of contracting a serious condition.

Research has shown that men are more likely to contract a serious condition than women with a figure of twenty percent before the age of 65. Women fair a little better with around 15 percent being diagnosed prior to retirement.

Lack of knowledge or belief in the chances of contracting an illness like this might be the main reason why so few adults take out critical illness insurance protection, according to insurance companies. The main reason critical illness cover is to protect mortgage repayments and this is why insurance companies will normally offer it as part of a mortgage agreement.

Increasingly, the internet is being used to buy insurances online and this is now extending to illnesses that are long term or critical. For obvious reasons there will be certain things that require physical evidence so these plans are not always smooth sailing to organize. This is because many insurance providers who offer this type of coverage wish to have the applicant take a medical examination by an independent physician to ensure there is nothing untoward right from the start. As a claimant you will also want to know that any claim on your critical illness insurance you make will be accepted and dealt with sensitively.

Of course smokers will pay more for their cover, even if they have given up within the previous year as they are still believed to be in a high risk group. Smoking is a potential threat to your life therefore, premiums will increase although having said this, the insurance company will also consider your age, type of work you do, general health, and pastimes before it issues the cover.

However, the purpose of applying for critical illness insurance protection is to make sure that even if a terminal illness is diagnosed, surgery is required or even a period of unemployment, that benefits will be forthcoming to cover living expenses. For people that have families, there shouldn’t even be a discussion about whether this type of plan should be arranged, should there?

From doctors’ files to medical bills and fees, your attorney will want records kept to back up your case for compensation; owing to another person’s actions you may have to leave work or face increasing financial debts. Exact details surrounding the auto accident must be compiled prior to the case; photographic images are very powerful so they should be taken to provide unequivocal proof. If these things are not done immediately, there is a chance minor details will be forgotten days later; often little points like this help a compensation claim. Where possible obtain details of witnesses for your personal injury claims lawyer; to ensure their account is credible, a statement should be taken as soon as possible after the incident.

A full medical examination will be requested by the insurance company; this is where those photos you took will be useful in court as evidence. After the examination, ask to get a copy of the billing; make sure you document the amount of money spent and while all of these things are important, you will never win a case unless you have an attorney. Engaging the services of a personal injury claims lawyer is a sure way to improve your chances of success; courts prefer to deal with other legal professionals. The last thing an insurance agency wants is any bad publicity; they want to avoid law suits, especially ones that have the potential of leaving them bankrupt.

The quickest way to locate an attorney who specializes in this area is online; look for those that can provide references as this is a sign they do not mind being checked out by potential clients. A personal injury claims lawyer will pursue financial compensation for all expenses, past and future; underestimating the importance of this person could be a costly mistake. The value of attorney’s who specialize in this field is immeasurable; they pursue cases like this all the time and it will be their effort and experience that will win the day for you. Successful auto accident injury compensation cases do occur; use the information in this article and there shouldn’t be a problem because you will understand what’s expected of you.

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The US bankruptcy code provides bankruptcy protection via exemptions to people who are filing for bankruptcy. This allows them, under normal circumstances, to keep their home and car for instance. There are also additional items such as clothing, household furniture and personal property that are not included. It is not the intention to make the person homeless or lose their job.

Other restrictions or amendments may also be enforced at state level and this is where a local bankruptcy lawyer will be of most use. The fact is that the vast majority of individuals filing for bankruptcy are not wealthy. They do not own large value items or have money hidden away. It is important that what they do have is protected from their creditors as much as possible.

Of course once you are declared bankrupt the information will be added to your personal credit file for ten years although this is not as bad as it seems at first. In fact the primary points on the credit scoring system are based around your more recent financial history and not on transactions made some time ago. To prove this point, your lawyer should warn you about certain financial companies that contact bankrupt people and offer credit. Extreme caution is required here.

These types of credit agreements usually have hidden and extortionate charges that will usually make the financial situation worse for the person that is bankrupt. A good bankruptcy lawyer should make his client aware of this. The answer is to only deal with reputable companies and only take on the credit you know you can comfortably live; always ensure that you pay more than the minimum payment required.

Fortunately most people who are able to keep their bills current after bankruptcy are able to re-establish their credit in 2-4 years, which is a relatively short period of time. Sure, the bankruptcy will still appear on your credit report, but if your current credit is solid, that’s not likely to keep you from buying a home or a car or even obtaining some unsecured credit accounts.

Bankruptcy is not a crime although many credit institutions like to promote the idea that it is only wasters and failures that become bankrupt. Whilst this incorrect and harmful attitude continues, many people will struggle unnecessarily with their finance rather than become bankrupt. If this attitude continues, it will just ensure that legislation will become more restrictive. It will therefore become increasingly difficult to apply for bankruptcy. The truth is that many people forced into this situation are hard working people that have just been unlucky; bankruptcy lawyers know that it is the law surrounding bankruptcy protection that is the only thing there to help them.

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The money borrowed on a bad credit loan may be required to consolidate other loans or debts into a more affordable loan or cover the cost of an unexpected event. It may be that you would like to improve your credit history and do not actually need the money but taking out a loan and repaying it will help improve your credit status.

Of the options available, the secured loan is preferable to the unsecured loan because it can provide greater funds, in the order of one hundred and fifty thousand dollars maximum. It also has a greater repayment period up to twenty five years. The second option is to arrange an unsecured loan which will reduce the amount that can be borrowed to fifty thousand dollars and reduce the term of repayment to a maximum of ten years.

The risk of defaulting is much lower with a secured loan as the finance company take a charge on your property which is also the reason they can arrange the loan at a preferential rate of interest. However, the unsecured loan route offers no protection for the lender and the interest rate is higher so if interest rates are an important aspect, the best course of action is to find a lender with the lowest unsecured rates.

It is even possible for individuals with debts and court judgments for previous defaults on loans to obtain bad credit loans. It will probably be necessary to carry out some research online first. It must be said that the number of lenders willing to arrange a loan under these circumstances is far fewer than normal so you may find that to get a loan that fits your pocket; you may need to carry out the application online.

There shouldn’t be too much trouble arranging a bad credit loan but they can make a world of difference to person who is in desperate need of the money. By making the loan application online it will speed up the process so you will be able to get back on with your life.

Arranging a another debt this way should enable a person to carry out their financial obligations by rebuilding credibility and reliability in the financial world at the same time, which is like having a second chance.

Technorati Tags: Bad Credit, bad credit borrowing, Bad Credit Loans, borrow money, secured loan, unsecured loan

Overview of the SSCRA

The SSCRA address the inability of military men to meet financial obligations when they are in active duty. Financial obligations include rentals, leases, mortgages, credit card payments and other similar transactions. The SSCRA also stretches to cover the dependents of the military men in question.

SSCRA covers those under active duty, this includes out on basic training exercise or assigned in the field. Most veterans fail to pay their financial obligations since they are unable to do so during the line of duty. The SSCRA aims to provide legislation to these individuals so that they are given consideration regarding deadlines and maturity dates.

One area covered by SSCRA for military personnel and their dependents includes leasing/renting of a property for residential purpose not more than $1,200 a month. Also the conditions must be met and the transaction must be first be made before the service man is enlisted into active duty.

Since they are on active duty, it’s almost impossible for them to settle the obligation. On this note, the service man must send a request of being under the protection of the SSCRA to the court when he or she receives an eviction notice. If the judge finds sufficient grounds which merits the protection from SSCRA then the court may postpone the eviction until the term of duty of the personnel expires.

Advantage of SSCRA for veterans on active duty

Most of the military personnel in active duty will not have the ability to fulfill their financial obligations to various institutions like credit cards, banks, insurance or mortgage lenders. The SSCRA aims to provide a form of security to these men on duty for their role in preserving peace and justice in their country.

The SSCRA will provide enough elbow room for the military personnel to be given extended deadlines for payments, foreclosures and mortgage transactions when they are in the line of duty. Though not all veterans are given the privilege of being under the protection of the SSCRA; some criteria and requirements must be met for both the transaction and the personnel before they are granted protection.

SSCRA and Interest Rates

Veterans on active duty who are unable to pay financial obligations such as mortgages and who are facing foreclosure may then invoke the protection of the SSCRA to avoid such problems. Qualified debts are those incurred prior to service men coming into the line of duty. Also, the request will only be valid if the personnel are in the line of duty when the request was made which limited them from settling the said obligation.

When qualified, the service man needs to send a letter to the lender requesting that their interest rate be capped to 6% according to the provision stated in SSCRA. Also, they may need to send a photocopy of the military order to the lender as proof that they are on military duty as stated in their letter of request.

SSCRA and Foreclosures

The SSCRA also covers the military personnel under the obligation of a mortgage, trust deed or security of property for any financial obligation. The SSCRA simply states that the personnel are valid for protection under the SSCRA if the obligation and the property were done prior to their military service.

The provision states that prohibition of foreclosure or sale of mortgage property without the presence of the borrower, the military personnel in this case, whether in a judicial or a non-judicial foreclosure. It is also stated in the SSCRA that maturity dates and deadlines will be given an extension when the military personnel is in active duty until they are released from their given designation.

Even if the maturity date or the date of foreclosure is extended due to the military personnel’s inability to pay, the court will try to achieve a compromise agreement from both parties requiring the mortgage lender to pay at least half of the amount due while the mortgage holder extends the deadline or put a stay on the foreclosure or sale of the property.

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• Economic Concerns; Why America is in Financial Trouble


• 4000 Americans have died in Iraq eradicating Saddams legacy