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Psyche Bend Pump House 1891
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Image by denisbin
the Chaffey brothers of Canada were such amazing visionaries that they could see how this semi-desert country could be transformed into a fruit bowl with verdant growth. Their foresight was remarkable. Their story is almost amazing. In 1884 the Victorian Premier, Alfred Deakin (later PM of Australia) went to California to visit irrigated colonies as Victoria had suffered a long drought from 1877-84. There he met George and William Chaffey and invited them to come and work irrigation miracles in Victoria. The concept was for the Chaffey brothers to buy the land and water rights at a low price, start irrigation and develop the land and sell it on at a high price. The Victorian government in 1886 gave the Chaffey brothers 250,000 acres of land on the old Mildura sheep station on the Murray for an irrigated colony development. The Chaffeys had to build pumping stations to obtain the water from the river, dig water canals and trenches, clear the land, level it for irrigation and then sell it. Their agreement with the government meant they had to spend £300,000 on these improvements over 20 years. They advertised for investors in California and Canada where they were already known as well as Melbourne and Adelaide. They advertised the 10 acre fruit blocks as grape, fruit orchard and orange grove lands. The Chaffeys began work in 1887 led by William. Younger brother Charles went to oversee the development of Renmark in SA. William selected 200 acres for himself near the Psyche Bend Pumping Station and now the site of the Chateau Mildura Winery. William Chaffey established this in 1888 one year after settlement work began. They hoped to irrigate 33,000 acres in the first stage. By 1890 3,300 people were living in the Mildura district. But the land boom of the 1880s collapsed around 1890 as Australia headed into drought and a major economic depression. Consequently the Chaffeys went bankrupt in both Mildura and Renmark in 1895. A Victorian Royal Commission in 1896 found the Chaffeys responsible for the collapse of the irrigated colonies. The Chaffeys certainly advertised and painted a rosy picture of the prospects of Mildura and Renmark but such a grandiose scheme without government financial backing was doomed to failure in Australia, especially when a worldwide economic depression hit it.

All that William had left after their bankruptcy was his winery, 200 acres of irrigated fruit block and the mansion he had built earlier in 1889 called Rio Vista (river view). William worked like any other fruit blocker. He unsuccessfully tried to sell Rio Vista but could not find a buyer. He helped the area establish a dried fruit marketing board and he earned the respect of the citizens of Mildura. He became President of the shire council in 1903 and the first city Mayor in 1920. He was so admired by the town residents that they presented him with a Ford motor car in 1911. He eventually paid off his debts to the Victorian government. He died at Rio Vista in 1926. There is now a fine statue of him in the centre of Deakin Avenue- the main street- named after the Victorian Premier and later Australian Prime Minister, Alfred Deakin. It was erected in 1929. This street is also one of the longest avenues in the world at 12.1 kms in length!

Throughout this period most of William’s income came from the winery. It produced table wine until around 1900 when it switched to fortified wines (sherry and port) and the distilling of brandy. Transport of produce was difficult until the railway arrived in Mildura in 1903. In 1910 he formed the larger Mildura Winery Company with a second distillery at Merbein. After William’s death the brand name was changed to Mildara in 1937. As an adjunct to the winery he established the Australia Dried Fruits Association around 1895. This was a way of using local fruit because there was no transport available for perishable food before the arrival of the railway from Melbourne in 1903. Dried fruit could be stored for a long time and it did not matter if considerable time was taken to get it to the city markets. So Chaffey established the two main products of the Mildura region- wines and spirits and dried fruit. Both were exported to England. William married twice. His first wife and some infant children are buried near the original Mildura Station on the Murray. His second wife is buried near him in Nichols Point cemetery. He was survived by 3 sons and 3 daughters. One later bought Avoca Station from the Cudmores!

Meantime the SA Premier, Sir John Downer offered the Chaffey brothers 250,000 acres of Crown Land at Renmark and they accepted that too. With 500,000 acres to develop the brothers George and William worked hard and their younger brother Charles also came out from California to manage the Renmark operation. The Mildura and the Renmark scheme were losing money so George tried to sell land blocks in the irrigation schemes in London in 1894 but he failed to find a buyer. In December 1894 the Chaffey brothers went into liquidation with huge debts and owing extensive wages to their employees. George then returned to Canada; William stayed on in Mildura; and Charles stayed on in Renmark. Charles Chaffey’s residence in Renmark called Olivewood is owned by the National Trust. It is built in Canadian log cabin style but with Australian verandas. It is probably the oldest residence in Renmark as it was erected in 1889. Charles ran the operation in Renmark until 1904 when he returned to Canada with his family and the bank repossessed the home. It had several owners until acquired by the National Trust in 1979. Only William and his family stayed the course and really developed the Australian irrigation colonies. When the Chaffeys went bankrupt the state governments took over the management and operation of the irrigation colonies with SA setting up the Renmark Irrigation Trust and Victoria the Mildura Irrigation Trust. Another of the legacies of the Chaffeys is the layout of both Renmark and Mildura which are remarkably similar. William Chaffey followed a standard California/USA approach with a wide divided avenue to be the centre thoroughfare of each town, with consecutively numbered streets running across the grand avenue. Streets running parallel to the main avenue had individual names. Hence in Mildura you have Ontario Avenue (reflecting the Chaffey Canadian origins) and San Mateo Avenue (California linkages) etc.

Mildura – founded in 1887.
The town was named after the original Mildura station which in turn was named from a local aboriginal word meaning “red earth”. Pastoralism began in 1847 when squatter Francis Jenkins moved here from NSW. He thought he was in SA! But his occupation was not legal and the leasehold went to Hugh and Bushby Jamieson who called their property of 150,000 acres Mildura. Once the river boat trade began in 1854 they expanded their sheep flock to 10,000. Alexander McEdward bought the property in the 1870s and later the government resumed it for the Chaffeys irrigation colony in 1887. Mildura grew very slowly even after the Chaffeys started their great work of clearing, felling, levelling and pumping water to turn the semi-desert into fruit blocks. The 1890s were economically depressed. The government Irrigation Trust continued the Chaffey work after 1894 and by 1910 the town was well established with a railway station (1903), a large temperance hotel, a school, stores, churches, a Carnegie Library, a public institute and a Working Man’s’ Club. Opposite the railway station was a well patronised river wharf and port. William Chaffey became the first Mildura mayor in 1920 and when the population had reached 15,000 in 1934 the town was declared a city.

Soldier settlers after World War One and Two were offered fruit blocks in the district and in both eras they helped boost the growth and population of the area. Today Mildura has the second busiest airport in Victoria outside the Melbourne area, and it is still growing. It now relies on tourism and retirement living as well as fruit and grape production for its economic output. Its warm climate makes it a favoured retirement spot for southern Victorians!

Mildura Churches.
Some of the churches in Deakin Avenue are worth mentioning. On the corner of Deakin and Eleventh is the Anglican Church on one side and the Presbyterian (now Uniting) on the other. St. Margaret’s Anglican is made of local stone and brick with a squat square church tower. On the next corner of Tenth Street are two outstanding churches- the 1912 Methodist on one side and the 1914 Church of Christ on the other. The Church of Christ is in simple Greek classical style with a triangular pediment, rectangular façade, balustrade along the roof line and some simple columns flanking the door. The former Methodist Church, now an employment agency is most unusual. It is octagonal in shape with alternating layers of red and almost white brick work, with a large dome and minarets on some corners of the eight sides. It looks very much like a Middle Eastern mosque. The building has been given a government grant of 0,000 to restore the former Wesleyan Methodist Church to its former grandeur. It was built in 1912 as the 25th commemoration of the original Chaffey brother’s indenture signing for the Mildura Irrigation Colony (1887). It was designed by Melbourne architect G.B Leith and it was purposefully done in Middle Eastern style.

Art Deco in Mildura.
When wheat and wool prices collapsed during the great depression of the 1930s the demand for wine, spirits and fruit continued. Cities like Mildura continued to expand during the depression and so Mildura, like Renmark and Barmera has some fine Art Deco style buildings constructed in the 1930s, or even a bit later but still in the Deco style. If you go for a morning walk you might like to look out for the Power Supply Company substation in the median strip (built 1936) in Deakin Avenue:; and Etherington’s Jewellery Shop at 85 Deakin (built 1932). This is a great example. In Langtree Avenue look for: Bowring’s Buildings on corner of Eight Street; the former Commercial Bank also on the corner of Eight Street (built 1932); and the T & G Tower on the other corner with Eight Street (built around 1928). Along Langtree look for the former Capital Theatre at 39 Langtree (built 1935). All these buildings have geometric decoration; interesting plaster mouldings; many vertical lines; circles, pyramids and diagonal lines; shiny metal handles and glossy tiles, and design influences from Egypt, Mexico and classical Greek temples.

Storm on the Horizon Rays of Hope
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Image by Merrill College of Journalism Press Releases
Photo: Storm on the Horizon has Rays of Hope shining down across a rural countryside with a barbed wire fence.

COLLEGE PARK, Md. – Innovative University of Maryland research went to print last week in two leading scientific publications. Faculty members and a Ph.D. student from the Department of Geographical Sciences (Behavioral and Social Sciences) highlighted their significant findings on the use of marginal lands for alternative fuel production and global biodiversity research.


Adjunct Professor César Izaurralde and Ph.D. candidate Ritvik Sahajpal have published a groundbreaking study, titled “Sustainable bioenergy production from marginal lands in the US Midwest,” in the current issue of Nature, that outlines how marginal lands – those deemed unsuitable for food crops – can be used to generate alternative energy fuels by the growth of grasses and non-woody plants (“biomass”) that thrive naturally.

While finding efficient uses for marginal lands is not new, this is the first study of its kind to offer an estimate for the greenhouse gas benefits as well as a concrete assessment on the full-scale potential for marginal lands to produce significant amounts of biomass.

This is also the first study to show that grasses and other non-woody plants that grow naturally on unmanaged lands are sufficiently productive to make ethanol production worthwhile. Researchers are hopeful that alternative fuel production could also be increased by the deliberate selection of the mix of plant species grown on marginal lands.

“With conservation in mind, these marginal lands can be made productive for bioenergy production and, in so doing, contribute to avoid the conflict between food and fuel production,” says Izaurralde, a soil scientist with the Pacific Northwest National Laboratory (PNNL).

Dr. Izaurralde also is a laboratory fellow at the Joint Global Change Research Institute, a collaboration of the PNNL and UMD. Research for the marginal lands project was primarily funded by the Department of Energy’s Great Lakes Bioenergy Research Center, the National Science Foundation (NSF) and Michigan State University, along with the support of UMD and the PNNL. The researchers focused on 10 Midwestern states, drawing from 20 years of data from MSU’s Long-term Ecological Research Site (LTER). A primary goal was to compare and characterize the productivity and greenhouse gas impacts of different crops, such as corn, alfalfa and old-field vegetation.

Beyond generating alternative energy fuels, the benefits for using marginal lands include new revenue for farmers and other landowners. There would also be no inherent carbon debt from land conversion if existing vegetation is used, or if new crops are planted alongside existing vegetation.

The study – published in the January 16 issue of Nature, is called Sustainable bioenergy production from marginal lands in the US Midwest and can be read here:…


As part of an international team of co-authors, Professor George Hurtt published ‘Essential Biodiversity Variables’ in the newest issue of Science magazine.

The article finds that while reducing the rate of biodiversity loss and averting dangerous biodiversity change are clearly international goals, the lack of a global observation and information/data delivery system on biodiversity change has proven to be an obstacle to progress.

“Reducing global biodiversity loss, and the loss of habitat on which it depends, is a goal with broad support around the world,” says Professor Hurtt. “Coordinated international monitoring of a common set of essential biodiversity variables should greatly improve the scientific information basis on which the best management decisions can be made.”

The study – published in the January 18 issue of Science, is called Essential Biodiversity Variables and can be read here:…

Secrets To Overcoming Bad Debt Management

Secrets To Overcoming Bad Debt Management

People believe debt consolidating is the response to all of their monetary problems. Imagine… you can get one loan to pay off any debts. After that, you simply suffer from one company and something payment. You have to acknowledge, it appears very good. Yet not necessarily a vital to closing bad financial obligation administration.

Getting a debt consolidation loan wont always solve present financial issues until or unless an individual learns tips handle debts correctly. Bad financial obligation management could possibly get out of hand. It can be additive the same as medicines or alcohol. Frequently, bad financial obligation mismanagement occurs as a result of lack of understanding. Good debt administration guidance is for that reason essential to recovery

Some fault effortless credit whilst the source of their problems. Even though it is not hard to have effortless credit, that will not regulate how folks elect to spend their money. Financial responsibility and accountability may be the path to a debt no-cost life.

Bankruptcy causes even more anxiety, wipes aside your credit and haunts you for a long time in the future. With determination, knowledge and application of correct cash maxims, you’ll restore control over debt life and quickly can get on the trail to a debt free life.

Five debt administration secrets to success managing ones financial obligation tend to be critical. Debt administration teaches you how to deal with your own personal finances. Listed here are five essential concepts to make use of in mastering how exactly to ideal handle your finances.

Key 1 to overcomming bad debt management

Meet with a good financial obligation administration counselorsometimes we cant see the woodland for woods. This notion is very real regarding our personal funds. Getting some other, objective view of current monetary status is very important.

A great financial obligation administration therapist will review your present financial circumstances which help you develop an idea to pay off the money you owe. You may expect honest and frank feedback. Everything less wouldn’t normally allow you to.

Your relationship with a debt counselor is important. If you feel comfortable in chatting, you are more likely to honestly discuss your preferences and personal problems. But remember you almost certainly wont like all you hear. Nonetheless, when you understand he or she has your very best interest at heart, youre almost certainly going to proceed with the guidance you get.

You should consult with a number of different counselors. Discover whenever you can. Discover somebody that really listens. When possible, consult with somebody with worked with the therapist. Get all about just what the counselor has done to assist people. Dont be afraid to inquire of specific concerns: exactly what will the counselor will do? What is going to you be expected to accomplish? Simply how much it will cost? Just how long does it just take?

Once youve found good financial obligation management therapist with a proven history, devote you to ultimately playing and applying the guidance you receive.

Key 2 to overcomming bad financial obligation management

Make debt reduction as a priority every financial obligation differs. You have got various amounts to cover. The interest rates vary. May possibly not make a difference as to how you decide to tackle your financial troubles. The main point is that you give attention to paying off your financial troubles.

Once youve gotten some really good guidance from a debt administration counselor, together it is possible to figure out how to pay back your financial situation. You really need to feel good regarding the economic program. Any time you pay-off a debt, you are going to feel much better. Every time you spend a debt, you are one step closer to monetary freedom.

Make paying down the money you owe the largest concern and you may quickly be on the road to a debt free life.

Key 3 to overcomming bad debt management

Follow your budget program one significant key to success with debt administration is developing and following a budget. Your financial allowance should allow you enough cash to cover the money you owe whilst still being have your required cost of living. The closer you follow your budget, the more likely could achieve becoming financial obligation no-cost.

Success comes by regularly spending the money you owe. If you spend your debts very first, then you know exactly how much cash you must go on.

Be sure to capture and report each exchange. It doesnt matter exactly what technique you use maintain monitoring of your instalments. You can easily compose all of them in a checkbook ledger, place money in envelopes for each spending plan group or enter each transaction into a pc program. The true secret should know precisely simply how much you spend in each of your allocated spending plan groups. Whenever youve spent all the cash for confirmed category, youre done the month.

Key 4 to overcomming bad debt management

Tear up all of your credit cards one of the primary explanations people gather much financial obligation could be the use of credit cards. Its easy to charge some thing. You dont need to pay cash. Its such as the old saying ‘regarding picture, from brain’. In the event that you dont see the cash venturing out, youre never as conscious of you spending.

Your debt administration therapist has its own more resources than you are doing. They could make monetary plans along with your lenders to lessen your payments and interest rate. Typically, you’re going to have to agree not to ever accumulate any more debt.

Tearing up your charge cards takes away the temptation to improve your debt. Its an easy task to state some thing doesnt expense that much, so just a little cost here and there wont injured. Dont deceive your self. Thats how individuals get into financial dilemmas in the first place… Get rid of the charge cards. Spend cash or pay nothing.

Key 5 to overcomming bad debt management

Become more conscious of your expenditures when you become acutely conscious of where your cash goes, you could begin to lessen or eradicate unneeded expenses. Youll begin to develop brand new and enhanced spending practices. Consider. What is my most expensive bill? Could it be heating? Is it ac? Can it be liquid?

Next, notice everything you do each day. Do you realy leave the lights on once you leave a-room? What now ? when you go out for many hours? It may seem that turning down the heat or arriving air doesnt save much. That is correct. Nonetheless, if you do it everyday, those small cost savings start to add up. Imagine of it as your private cost savings plan. The less you spend, the more you need to invest in other places.

Small spending reductions as time passes add up to big savings. Be a little more aware of in which your money goes.

Learning and applying great financial obligation administration abilities makes a big difference in your lifetime. Once you’ve paid off your financial situation, youll take complete control once more. Youll never ever would you like to repeat the knowledge again. Say goodbye to bad debt management permanently.

Geoff Hibbert features over three decades knowledge within forefront of this uk finance markets
Ex Convento de Regina Coelli,Natividad de María Santisima,Cuauhtémoc,Ciudad de México.

Ex Convento de Regina Coelli,Natividad de María Santisima,Cuauhtémoc,Ciudad de México.

Some cool debt management images:

Ex Convento de Regina Coelli,Natividad de María Santisima,Cuauhtémoc,Ciudad de México.
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Image by Catedrales e Iglesias
Fotos Nuevas Mayo 2013

© Álbum 0158
By Catedrales e Iglesias
By Cathedrals and Churches
Arquidiócesis Primada de México

Ex Convento Regina Coeli (Natividad de María Santísima)
Párroco Señor Presbítero José Cenobio Ramírez Chávez
Calle de Bolivar No 92
Colonia Centro
C.P. 6080
Delegación Cuauhtémoc
Tel. 5709-2640
Fax. 5709-6272

En 1573 la administración virreinal cedió amplios terrenos a las religiosas concepcionistas en el viejo calpulli prehispánico de Moyotlán (más tarde barrio de San Juan) para que establecieran un convento.

La fundación, dedicada a la Reina del Cielo traducción de la expresión latina Regina Coeli y a la Natividad de la Virgen María, fue aprobada por el Papa Gregorio XIII en 1578.

El templo del monasterio se edificó en el ángulo que forman las actuales calles de Bolívar y Regina, frente a un espacio libre que ya en el siglo XVII se conocía con el nombre de Plaza Chiquita de Regina. Su forma irregular se origino en el trazo de una de las acequias que atravesaban ese baldío. El convento y el templo primitivos fueron muy pobres, con cimentación deficiente.

La reestructuración de estos edificios se realizó en 1656 a expensas de Melchor de Terreros. El templo se reformo después y se abrió el 13 de septiembre de 1731. La obra la proyectó el arquitecto Miguel Custodio Durán y la financió el arzobispo José Lanciego y Eguilaz.

Como todas las plazas y calles de la ciudad colonial anteriores a la gestión del virrey Revillagigedo, la Plaza de Regina no escapó a la suciedad y abandono en que se encontraban los espacios exteriores de la metrópoli: falta de drenaje conveniente, encharcamientos constantes, ausencia de empedrados y banquetas y carencia de iluminación nocturna, que la convertían en un lugar peligroso durante las noches. Además, en ella frecuentemente se asentaban tianguis y tablados de toda índole, habiendo sido utilizada, incluso, para matanza de animales, mezclándose a todas esas incomodidades el espectáculo de mendigos y menesterosos que se aposentaban en ella durante las funciones religiosas.

Transformación radical sufrió la plaza al ser exclaustradas las monjas concepcionistas, conjuntamente con las de otras órdenes religiosas, el 8 de marzo de 1863, y aunque estas volvieron al convento durante el imperio de Maximiliano de Habsburgo, el 14 de noviembre de 1867 se entregó el convento a la Secretaría de Guerra, sirviendo de cuartel hasta el 15 de junio de 1871, cuando el gobierno de la República lo dió, en pago de adeudos, al acaudalado Ramón Obregón.

El templo, por su parte, permaneció abierto al culto. Un informe rendido por el regidor del ramo en 1868, hace mención de las obras realizadas para que desaparecieran la insalubridad y los muladares acumulados en la plaza, donde ya existía una fuente pública que cuidaban las autoridades de la ciudad, insistiendo en que debía barrerse y regarse todos los días "por los aguadores que concurren a la fuente de Regina a sacar agua", así como para que los areneros, carboneros, zacateros o cualquier otro tratante de este género, asearan el lugar que ocupasen con sus mercaderías. Además, en febrero de ese mismo año, se instalaron faroles de hojalata con aparatos de gas líquido, de trementina, de veinte luces, sustituyendo al alumbrado de aceite instalado por la administración colonial.

Gracias a la generosidad y filantropía de la señorita María Concepción Máxima Béistegui y García, quien a su muerte, ocurrida en 1873, cedió sus bienes para la fundación de un hospital en lo que fuera el Convento de Regina, se pudieron salvar de la destrucción, que se había iniciado poco antes, el claustro principal y las crujías adyacentes al mismo. Así, el denominado Hospital Concepción Béistegui, después de laboriosa adaptación, fue inaugurado por el Gral. Porfirio Díaz el 21 de marzo de 1886.

El resto del convento fue dividido en lotes, construyéndose en su lugar varias casas y locales sin ningún valor arquitectónico. En 1967, las autoridades del Departamento del Distrito Federal, ante la necesidad de contar con amplios espacios abiertos en esta zona de la ciudad, eligieron la Plaza de Regina como una de las primeras en la restauración de los centros cívicos capitalinos.

Entonces la plaza fue cerrada al tránsito vehicular en el tramo de la calle de Regina que corría frente al templo, dejándolo fluir únicamente por la calle lateral ubicada al norte de la plaza, y llevando el pavimento pétreo, en adoquín de San Luis Potosí, hasta la fachada misma del templo. Los árboles existentes fueron reubicados al norte de la plaza para permitir mayor visibilidad al edificio.
Informacion tomada de

Ex Convent Regina Coeli (Nativity of Mary)
Mr. Priest Pastor Jose Ramirez Chavez Cenobio
Bolivar Street No 92
Cologne Center
C.P. 6080
Mexico City
Phone 5709-2640
Fax. 5709-6272

In 1573 the colonial administration gave the spacious grounds of the old religious Conceptionists calpulli prehispanic Moyotlan (later district of San Juan) to establish a convent.

The foundation, dedicated to the Queen of Heaven translation of the Latin Regina Coeli and the Nativity of the Virgin Mary, was approved by Pope Gregory XIII in 1578.

The temple of the monastery was built in the angle formed by the present streets of Bolívar and Regina, compared to free space in the seventeenth century and was known by the name of Piazza Regina Chiquita. Its irregular shape originated in the stroke of one of the canals running through this wasteland. The convent and the primitive church were very poor, poor foundation.

The restructuring of these buildings was performed in 1656 at the expense of Melchor de Terreros. The temple was later reformed and opened on September 13, 1731. The work was designed by the architect Miguel Custodio Durán and funded the Archbishop Jose Lanciego and Eguilaz.

Like all the squares and streets of the colonial city prior to the management of Viceroy Revillagigedo, Plaza Regina did not escape the dirt and neglect that were outside spaces of the metropolis: lack of appropriate drainage, ponding constant, no paving and sidewalks and lack of night lighting, which became a dangerous place at night. Moreover, she often settled swap meets and tablados of all kinds, having been used, even to killing animals, mixing all these discomforts the spectacle of beggars and needy that aposentaban there for religious functions.

Square underwent radical transformation when exclaustradas the Franciscan nuns, together with those of other religious orders, the March 8, 1863, and although these returned to the monastery during the reign of Maximilian of Hapsburg, 14 November 1867 gave the convent to the Secretary of War, serving as headquarters until June 15, 1871, when the government of the Republic gave it in payment of debts, the wealthy Ramón Obregón.

The church, meanwhile, remained open for worship. A report issued by the ruler of the sector in 1868, makes mention of the work undertaken to disappear unhealthiness and middens accumulated in the square, where there was already a public source guarded the city authorities, insisting he swept and watered every day "by the watermen who attend Regina source to draw water" as well as for litter boxes, coal, or any other dealer zacateros of this kind, asearan occupy the place with their merchandise. Moreover, in February of that year, tin lanterns were installed with liquid gas appliances, turpentine, twenty lights, replacing oil lamps installed by the colonial administration.

Thanks to the generosity and philanthropy of Miss Maria Conception High Beistegui and Garcia, who at his death in 1873, transferred its assets to the foundation of a hospital in what was once the Convent of Regina, were saved from destruction, that had begun shortly before, the main cloister and the bays adjacent to it. So-called Beistegui Conception Hospital, after laborious adaptation, was inaugurated by General Porfirio Diaz on March 21, 1886.

The rest of the convent was divided into lots, built several houses in place and local architectural worthless. In 1967, the authorities of the Federal District, to the need for open spaces in this area of ​​the city, chose Regina Square as one of the first in the restoration of civic centers in the capital.

Then the square was closed to traffic on the stretch of Regina Street that ran opposite the temple, just letting it flow down the side street just north of the square, carrying the stone pavement in San Luis Potosi cobble up the facade of the temple itself. Existing trees were relocated to the north of the square to allow greater visibility to the building.

The truth about DMPs
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Image by MoneyAware
An average successful DMP takes just over five years to complete and the average person pays back around £18,500.

Some clients of ours have paid back a lot more however – one person was successful in paying back £188,710 via a DMP and another successfully paid back 37 creditors.

All of our DMPs are free of charge.

Debt Management 101: 7 Key Guidelines every Customer Need to Know

Debt Management 101: 7 Key Guidelines every Customer Need to Know

debt management
by Eva Rinaldi Celebrity and Live Music Photographer People frequently feel overwhelmed when they pertain to a point in life where they need to request for aid from a credit report counselor or financial debt monitoring professional. Without some particular standards to help them along the method, numerous could make inadequate choices and also, over time, just compound their initial financial issues. However exactly what is financial debt monitoring, and what does it truly involve?Debt Management, defined simply, is a process by which financial debt
is eased as well as ultimately lowered via the handling of consumer properties as well as direct arrangement with lenders. Financial obligation administration is generally supplied by certified financial obligation”counselors”or a licensed debt management firm. These financial obligation administration firms utilize exactly what are called”debt monitoring plans(DMPs)”by which consumers down payment set funds each month into particular accounts that are then made use of by the debt monitoring business to repay non-mortgage consumer debt card bills, pupil loans, clinical bills or other kind of unprotected debt.Choosing a financial obligation administration company is not something that ought to be ignored. Just what do you seek when picking a credit counselor or debt management firm? There are lots of variables to take into consideration, but these 7 essential regulations to selecting a credit/debt administration firm can make the procedure less demanding as well as might get you a lot more detailed to economic comfort much faster as well as easier after that you ever before believed feasible.1. Get a Recommendation -Ask someone that has been in a comparable circumstance. Take some time to ask questions, to identify if they had an excellent experience with a specific firm or a disappointment. Obtaining information directly from another consumer who has used credit rating therapy or financial obligation management in the past is a superb means to learn before you agree to spend for solutions. In addition, a trustworthy firm should agree to supply instances of good outcomes, without exposing another individual’s personal info. 2. National Accreditation -While no certain nationwide or state accreditation will certainly guarantee success, there are organizations in the United States with the spirit function of promoting high criteria and moral methods in the consumer

debt industry. The American Organization of Debt Management Organizations are one of one of the most prominent in this sector. Members of this organization focus on credit score counseling, financial obligation management strategies, budget/finance sector education and learning and also a lot more.3. Bbb Membership- Contact the Better Service Bureau in your city or region and also request for details regarding the credit therapist or financial obligation monitoring company you are considering. You may also intend to speak to someone in the State’s Lawyer or Attorney general’s workplace to see if the firm has been the subject of any regulative action. Finally, if the firm concerned has an internet site, check to ensure it [s a member of the online arm of the BBB as well as has been granted its desirable”Reliability Program Online Seal. “4. For Earnings vs. Non-Profit Experience-Many consumers have a misunderstanding regarding Not-For-Profit financial obligation management companies vs. For-Profit companies. They both supply giving ins for the consumer whereas some states require non-profit status prior to the business can do organisation
in the state. Bank card firms fund most Not-For-Profit debt counseling business with Grants and also Fairshare deductions as a means for them to recoup money from consumers that are currently not making their payments. The biggest distinction is that a Not-For-Profit does not pay taxes whereas a Commercial does. Study the business carefully to see if it uses”charitable”status merely as an advertising tool.5. Too much Expenses -In the last few years, bank card business and various other loan providers have decreased several of the funding for credit rating therapy. This has actually led counseling companies to raise their costs. Several of these increases are sensible, yet consumers should be mindful not to get entailed with a firm that charges a big in advance

payment simply to develop an account. A standard of$ 50 each month is a good guideline for an initial brand-new debt monitoring strategy. On the other hand, a debt therapist or financial debt manager must probably not charge a charge of greater than$100 to establish your account and also discuss with your financial institutions. Some companies will certainly forgo their first registration fees totally if you can not manage them. 6. Real Education-Look for a credit score therapist or debt administration expert that is sincere regarding giving you info that will certainly aid you deal with financial issues. You need to not need to pay added for CDs or video clips that need you to find out by yourself. If the individual you are talking with does not or can not give satisfying response to your inquiries, find one more company.

7. A Composed Plan – A trustworthy credit report counseling company or debt management firm will take some time to evaluate your situation, help you with budgeting and finance, and also place your private plan in writing. This customized strategy ought to include information on exactly how financial institutions will certainly be paid, as well as practical objectives for returning you to complete monetary wellness. Some companies also provide a free financial debt contrast quote which is an outstanding
way to see just how much money you could conserve, what your brand-new interest price might be as well as exactly how lengthy it will certainly take you to obtain financial debt complimentary on your financial debt loan consolidation program right out of eviction. Impractical assurances need to not become part of the plan. As an example, a debt monitoring or credit-counseling firm does not have the authority to change your credit score report nor must it ever before indicate it has done so in the past.Coming in person with economic trouble may appear to be greater than you could take care of, at first flush. Thankfully, there are numerous respectable credit counselors and also financial debt monitoring companies around who can assist obtain you began again in the best direction. Complying with these 7 simple guidelines when selecting a firm will go a lengthy way in guaranteeing your final selection is also the ideal option for your present financial scenarios. Casey Markee is a consultant with nationwide financial obligation management program carrier Customers Partnership Processing Corporation (CAPC). Visit them on the internet and also try their cost-free charge card payment calculator and also remove your bank card financial debt today. Related Financial debt Management Articles

Understanding debt management?

Understanding debt management?

Debt management is a topic people must cope with sooner or later. Financial obligation is acquired by not living in your means. Residing in your means is simply that you don’t save money than you create. Financial obligation management is controling and managing debt responsibly. To cut back or get rid of debt and produce a cash flow that keeps you from financial obligation is financial obligation administration. To fully take control of your financial obligation you will need to make a budget, lower expenditures while focusing on paying debt. This is actually the essence of financial obligation administration.

To start your debt administration program making a budget it is important to know all of one’s costs and income for a group time period. Most budgets tend to be done on a monthly basis. You need to capture your monthly earnings and expenditures on a sheet that will enable you to definitely subtract your costs from your earnings. You must have a couple of parts for costs because there are some several types of expenses to think about in your debt administration.

Fixed expenditures- they’re costs, like rent, which are constantly the same amount or just around exactly the same amount whenever they tend to be because of. These expenses are ones that really must be compensated. Good debt management prioritizes expenses.

Variable expenditures- this kind of expenditure modifications from month to month. Also expenditures that one may replace the quantity of if need-be, like food.

Debt- Debt could be either fixed or adjustable, but is various as you try not to spend the total amount each month. You are able to chose simply how much you wish to spend or have a minimal quantity you have to pay.

These three types of costs should really be mentioned on the spending plan in your financial obligation administration. Once you’ve used your financial allowance you ought to balance it. Balancing your budget can be an essential part of debt management and ensures that your expenditures don’t go beyond your income. This will be significant in almost any financial obligation management program.

You could find your spending plan isn’t balanced. Should this be the situation you will need to look for approaches to reduce your expenditures. While fixed expenditures are identical monthly and you have to pay for them, there are still ways to decrease the quantity. You need to shop around for the best cost you can get. You can do this with resources, particularly extras like cable TV and phone service. Glance at the organizations that provide service in your area and discover the only aided by the cheapest price. Adjustable expenditures are easy to manipulate and also this is probably where most of your budget cutting may happen. Reducing your costs will not only stabilize your financial allowance, but offer you a few more money to pay off debt quicker. Debt management can pay down with some preparation and self control.

Financial obligation can loaf around for quite some item. Many debt includes interest charges that just hold including. You can test getting a lower life expectancy interest. By calling the organization you have got a debt to you could find they’ve much better repayment plans or can offer you some savings. Its also wise to constantly make a spot to pay for above the minimal quantity because of, especially on credit debt. The minimal quantity because of is usually mainly paying interest and not your real debt. Be aware of producing brand new financial obligation also. Spend your expenses punctually so that you don’t get extra charges applied. Financial obligation administration requires which you keep good files and follow your financial allowance so financial obligation doesn’t escape control.

Debt administration may seem like a challenging task, but if you retain records and stick to your budget it actually may be easy. Make an effort to cut costs and don’t forget to always stay within your means. As soon as you get a credit card repaid try not to start charging once again unless you pays the balance off in full if the bill comes. That’s the simplest solution to remain out-of debt. Start yours debt management program and not soleley get free from debt but remain out. Keep in mind, for financial obligation administration to be effective you must follow your plan.

Jay Moncliff is the founder of a website specific on financial obligation Management, resources and articles. For more info check out his website: financial obligation Management

Relevant Debt Control Articles

Finding Trusted Debt Control Organizations

Finding Trusted Debt Control Organizations

UK consumers that are struggling to pay their particular bills tend to be obligated to look to debt administration organizations for help. However with financial obligation administration businesses getting big business and desperate consumers searching for assistance, there are a number of unscrupulous companies  available that will do-nothing but bring your cash and supply small, if such a thing, in exchange. How have you been supposed to understand the distinction between good and a bad debt management organization?

There are a couple of forms of debt management organizations – businesses being for revenue and organizations being non-profit. Additionally two types of non-profit financial obligation administration companies – organizations that charge customers but that do not carry a revenue and companies that provide financial obligation administration services free of charge. Every of those types of financial obligation management organizations / businesses may provide beneficial and reputable solutions, but as a consumer, you need to know the way solutions work and look into contracting with the best organization to do the job.

Debt administration organizations are also often called debt decrease organizations, debt settlement businesses, or debt consolidating organizations. Some offer just basic debt reduction or reduction solutions, and some provide extra solutions based on buyer need, charges, and quantity of debt. Overall, a debt settlement company can help consumers reduce and eliminate only unsecured debt including personal credit card debt, installment financial obligation, and, in some instances, education loan debt.

Contracting with a reputable debt administration is a must to make sure that you’re shielded throughout the process. Financial obligation administration companies hardly ever make any solid guarantees and they are maybe not accountable for the debt. So, in the end,  you are remaining available to additional collection by the creditors, wage garnishments, and even court filings. You must learn how to lower debt without more damaging your credit and winding up in personal bankruptcy judge.

Stay away from financial obligation management organizations that offer an instant fix. Quite often, it requires years to perform a debt management system. Also, you should investigate if a certain financial obligation administration organization has experience in using your specific lenders. Contracting with a settlement company which effective at handling just a portion of the debt will leave a significant amount of financial obligation you have to handle all on your own. And even if companies which do agree to assist your debt management company consent to wait on any more collection task, your creditors that do not consent to make use of your financial troubles administration company may however lodge legal activity and power you into courtroom to deal with that financial obligation while the financial obligation that you have actually consented to eliminate in your agreement using financial obligation management organization. The end result could be that you’ll still owe your debt management company their particular charges although you are obligated to head to court to cope with all of your creditors.

Contract just with a settlement company that gives you reveal program with regards to just how your monthly obligations is likely to be paid towards lenders. As soon as that debt management company features talked about your alternatives with your creditors for you, the debt administration organization should return to a plan that details how much you will need to spend each company each month. Predicated on those numbers, you will be expected to send a monthly lump sum toward financial obligation administration company. From that month-to-month lump sum payment, that should include any costs that the debt administration company charges for solutions, the debt administration company can pay creditors. You should know just how much each creditor will receive each month, on what day that creditor is compensated, and you ought to be able to follow the progress of repayments. Get everything on paper.

research the fees that each organization charges. A settlement company may charge costs based on simply how much financial obligation you have, how many creditors you have got, or a figure this is certainly a percentage of total debt or monthly payments. Regardless, know the charges in advance and get all of them on paper. Companies that charge high upfront charges are a fraud.

Finally, don’t trust a debt settlement company that promised to fix your credit. Although decreasing or eliminating your debt can help you tidy up your credit rating and score, debt management companies aren’t capable of getting rid of any negative information from your credit history.

Sam Jones the author with this article advises that his visitors visit the uSwitch internet site for the newest information about debt advice management organizations

More Debt Management Articles

Debt Management Tips | TransUnion

Debt Management Tips | TransUnion

Take charge of your debt. Visit us at:

Debt management or debt reduction doesn’t have to be painful. Lowering the amount of debt you carry may reduce the loan rates you could receive and save you a lot in interest payments.

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(Partial Transcription)

Have you found yourself in too much debt? TransUnion can provide some tips to get you on the path to lowering the amount of debt you carry. which can significantly improve your credit, reduce the loan rates you receive, and save you a lot in interest payments.

Here are some quick tips to reduce your debt:

Obtain your credit report online, from one of the national reporting company websites such as or
Video Rating: / 5

Cool Debt Administration pictures

Cool Debt Administration pictures

Some cool debt management images:

#oppolandscape of Julian getting paid doing English Professional Writing
debt management
Image by Julian Partridge
* output of a recent RED self help session (opportunity landscaping) triggered by the apparently hopeless desire to make speculative job applications in the field and the dire performance evidenced last year applying to all the advertised jobs in this vein


MAKING capacity building writings FOR maturing software producers
TRADING SERVICES: Custom process models, procedures, training worksheets, schematics
MARKETS: biz software, film cgi, games, via trainers
SUSPECTS: red—, i—

MAKING business funding bids FOR startups
TRADING SERVICES: business plans oppo landscapes, business posters
MARKETS: sponsors – government, private, entrepreneurs – via university via fe careers, via networks
SUSPECTS: cbnea, newmarket Bar—, newmarket rot—

MAKING lesson materials FOR creative computing teachers
TRADING GOODS: project briefs, activity kits, integrated programme systems
MARKETS: primary, fe, uni

MAKING capacity building materials FOR professional writing producers
TRADING GOODS: platform comparison charts, vertical solutions, consulting guides, trends bulletins
MARKETS: via platform vendors, via web readers, via own clients


1. Try madcap for a business start start-up case to produce open content portable into any business plan document format.

2. Try state-of-the-art survey of platforms.

What is a Book!?

The trend in professional writing is towards model-based separation of the information essential to produce the written article – the Model – from the written article itself – the Book (a paperback, say). Simplest example: a text file (a Model) saved on your computer, later printed and finished as an A4 paper ring-bound document (a Book).

Writers of old were the monks armed with quill and ink and parchment, scribing a new scroll of some kind (eg a debt record to pin someone to a future repayment). More recently, we had the corporate typing pools with their batteries of well-oiled Imperial grey typewriters bashing out their business forms or letters (all still intent on pinning someone to something, no doubt)…

Then we had the xerox revolution – xerox brilliantly desktopizing the laborious and error-prone manual copying and transcription process to duplicate all coming documentation on the fly — until wordprocessors and laser printers merged the two and changed the game yet again. And then enter Bill and Microsoft and all the others to clean this up and make it turn out mega bucks. And now we have the Model-Based revolution…

Film is a very good example of this model-based separation. The script and the storyboard as assimilated in the Director’s mind (Hitchcock-style) providing the Model, while the dvd of the finished production represents the Written Article – the "Book". The words ‘writing’ and ‘written’ are clearly somewhat misleading here.

Modern engineering design is similarly analysed: all but gone is the design-in-drawings method, now replaced by a digital information model (the Design) and any variety of views of theis, each a post-processed extract of the model transcribed into a physical document eg a printed drawing sheet – or in the case of the most modern manufacturer, immediately into a finished user’s product (as in 3-d printing).

I think the current jargon for this model-based separation in professional writing spheres is Topic authoring and Single-source content.

Now I think the impact of this technological trend is EARTH SHATTERING!

Where we used to have armies of fully-employed touch-typists producing the distributed our documentation of simple kinds, fed by fewer, much higher-paid elite authors way up in the organisation pyramid, endlessly writing and altering and copying – and the massive cost of all of that – we now have a rapidly evolving and converging sea of pure knowledge and a myriad of islands of use-centred (and almost free to employ) robotized document completion machines (Book Makers).

[witness this bit of professional writing: this (book) page will look very different depending on your viewing device (pc, mobile, app) but the words are the same and mostly mine. And not a copy typist/setter/printer/book binder job anywhere to be seen! And the originating author is working for free!!]

… I wonder if the Book is in the process of disappearing altogether!

This earth shattering evolutionary process can be managed in the business organisation [Julian’s intended Professional Writings client] as a matter of Integration.

Take a good-sized sample of business-essential documentation and throw it all on a hanger floor and then proceed to #refactorize it all, so that every item of text and graphics is instantiated only once, and a rational set of completed document types to present them is envisaged (eliminating redundant content and documentation and distribution points as we go). Then summarize this Model-Based Integrated Documentation System as an engaging schematic diagram poster (getting someone like Julian in to help you facilitate this key step if you feel the need for some fresh, expert eyes on your side) and then let your establishment stew on the ramifications of this Brave New Writing World for a while… Then implement.

Julian has done a couple of these whole-enterprise documentation integration jobs before. For example, one for a leading project management consulting and education firm, who produced tonnes of printed lesson and event management documentation to support their world class educational events. The integration step helped move them from conventional Microsoft Office-based ‘special file – special document’ technology, that required repeated content for course syllabuses, presentation scripts, attendee handouts, timetables – all done as a matter of strategy to the highest quality level – each document requiring it’s own template design, and its own proofing, editing and releasing timeline, each requiring premium staff to effort and control their production in what was necessarily a flood of hundreds of such documents for each week of activity, with all the cost and inter-staff pressure and embarrassing slip-ups that is inevitable in such a system… The solution was indeed an enterprise database to hold and deliver the single-sourced content information – the Model, and a well designed workflow system to ease event production from business development thru to happy more aptly educated customers and then yet more business development – The "Book".

Another case, for a large engineering design company, we found a number of opportunities for Integration including moving an old-school library of discrete procedure documents (mini textbooks of engineering best practice) (mission-critical to have, and highly costly to maintain), each independently written and managed and distributed, moving all that to a single live wiki platform with multiple authors collaborating on content, employing wiki tricks to avoid content repetition, and opening up the system allowing users to participate in quality feedback to help the collective drive for excellence.

A wiki encapsulates both The Model and The Book. I think that the cleverness of the wiki [when properly conceived and architected and implemented] is in that, in addition to the realization of single-sourced content (a massive cost and quality improvement in itself), it has silently cut down the number of Books to be published and distributed from hundreds (or thousands for a global organization), to just the one.


Sorry… NOT!
debt management
Image by eyewashdesign: A. Golden
New Yorkers Protest the US0 BILLION (US TRILLION) Wall Street BAILOUT: Wall Street, NYC – September 25, 2008


Photographer: a. golden, eyewash design – c. 2008.


The richest 400 Americans — that’s right, just four-hundred people — own MORE than the bottom 150 million Americans COMBINED! 400 of the wealthiest Americans have got more stashed away than half the entire country! Their combined net worth is .6 trillion. During the eight years of the Bush Administration, their wealth has increased by nearly 0 billion — the same amount that they were demanding We give to them for the "bailout." Why don’t they just spend the money they made under Bush to bail themselves out? They’d still have nearly a trillion dollars left over to spread amongst themselves!

Of course, they are not going to do that — at least not voluntarily. George W. Bush was handed a 7 billion surplus when Bill Clinton left office. Because that money was OUR money and not HIS, he did what the rich prefer to do — spend it and never look back. Now we have a .5 trillion debt that will take seven generations from which to recover. Why — on –earth – did — our — "representatives" — give — these — robber — barons — $US850 BILLION — of – OUR — money?

Last week, proposed my own bailout plan. My suggestions, listed below, were predicated on the singular and simple belief that the rich must pull themselves up by their own platinum bootstraps. Sorry, fellows, but you drilled it into our heads one too many times: THERE…IS…NO…FREE… LUNCH ~ PERIOD! And thank you for encouraging us to hate people on welfare! So, there should have been NO HANDOUTS FROM US TO YOU! Last Friday, after voting AGAINST this BAILOUT, in an unprecedented turn of events, the House FLIP-FLOPPED their "No" Vote & said "Yes", in a rush version of a "bailout" bill vote. IN SPITE OF THE PEOPLE’S OVERWHELMING DISAPPROVAL OF THIS BAILOUT BILL… IN SPITE OF MILLIONS OF CALLS FROM THE PEOPLE CRASHING WASHINGTON "representatives’" PHONE LINES…IN SPITE OF CRASHING OUR POLITICIAN’S WEBSITES…IN SPITE OF HUNDREDS OF THOUSANDS OF PEOPLE PROTESTING AROUND THE COUNTRY… THEY VOTED FOR THIS BAILOUT! The People first succeeded on Monday with the House, but failed do it with the Senate and then THE HOUSE TURNED ON US TOO!

It is clear, though, we cannot simply continue protesting without proposing exactly what it is we think THESE IDIOTS should/’ve do/one. So, after consulting with a number of people smarter than Phil Gramm, here’s the proposal, now known as "Mike’s Rescue Plan." (From Michael Moore’s Bailout Plan) It has 10 simple, straightforward points. They are that you DIDN’T, BUT SHOULD’VE:

1. APPOINTED A SPECIAL PROSECUTOR TO CRIMINALLY INDICT ANYONE ON WALL STREET WHO KNOWINGLY CONTRIBUTED TO THIS COLLAPSE. Before any new money was expended, Congress should have committed, by resolution, to CRIMINALLY PROSECUTE ANYONE who had ANYTHING to do with the attempted SACKING OF OUR ECONOMY. This means that anyone who committed insider trading, securities fraud or any action that helped bring about this collapse should have and MUST GO TO JAIL! This Congress SHOULD HAVE called for a Special Prosecutor who would vigorously go after everyone who created the mess, and anyone else who attempts to scam the public in future. (I like Elliot Spitzer ~ so, he played a little hanky-panky…Wall Street hates him & this is a GOOD thing.)

2. THE RICH SHOULD HAVE PAID FOR THEIR OWN BAILOUT! They may have to live in 5 houses instead of 7. They may have to drive 9 cars instead of 13. The chef for their mini-terriers may have to be reassigned. But there is no way in hell, after forcing family incomes to go down more than ,000 dollars during the Bush years, that working people and the middle class should have to fork over one dime to underwrite the next yacht purchase.

If they truly needed the 0 billion they say they needed, well, here is an easy way they could have raised it:

a) Every couple makeing over a million dollars a year and every single taxpayer who makes over 0,000 a year should pay a 10% surcharge tax for five years. (It’s the Senator Sanders plan. He’s like Colonel Sanders, only he’s out to fry the right chickens.) That means the rich would have still been paying less income tax than when Carter was president. That would have raise a total of 0 billion.

b) Like nearly every other democracy, they should have charged a 0.25% tax on every stock transaction. This would have raised more than 0 billion in a year.

c) Because every stockholder is a patriotic American, stockholders should have forgone receiving a dividend check for ONE quarter and instead this money would have gone the treasury to help pay for the bullsh*t bailout.

d) 25% of major U.S. corporations currently pay NO federal income tax. Federal corporate tax revenues currently amount to 1.7% of the GDP compared to 5% in the 1950s. If we raised the corporate income tax BACK to the levels of the 1950s, this would give us an extra 0 billion.

All of this combined should have been enough to end the calamity. The rich would have gotten to keep their mansions and their servants and our United States government ("COUNTRY FIRST!") would’ve have a little leftover to repair some roads, bridges and schools…

3. YOU SHOULD HAVE BAIL OUT THE PEOPLE LOSING THEIR HOMES, NOT THE PEOPLE WHO WILL BUILD AN EIGHTH HOME! There are 1.3 million homes in foreclosure right now. That is what is at the heart of this problem. So, instead of giving the money to the banks as a gift, they should have paid down each of these mortgages by 0,000. They should have forced the banks to renegotiate the mortgage so the homeowner could pay on its current value. To insure that this help wouldn’t go to speculators and those who tried to making money by flipping houses, the bailout should have only been for people’s primary residences. And, in return for the 0K pay-down on the existing mortgage, the government would have gotten to share in the holding of the mortgage so it could get some of its money back. Thus, the total initial cost of fixing the mortgage crisis at its roots (instead of with the greedy lenders) is 0 billion, not 0 BILLION.

And let’s set the record straight. People who have defaulted on their mortgages are not "bad risks." They are our fellow Americans, and all they wanted was what we all want: a home to call their own. But, during the Bush years, millions of the People lost the decent paying jobs they had. SIX MILLION fell into poverty! SEVEN MILLION lost their health insurance! And, every one of them saw their real wages go DOWN by ,000! Those who DARE look down on these Americans who got hit with one bad break after another should be ASHAMED.! We are a better, stronger, safer and happier society when all of our citizens can afford to live in a home they own.

4. THERE SHOULD HAVE BEEN A STIPULATION THAT IF YOUR BANK OR COMPANY GOT ANY OF OUR MONEY IN A "BAILOUT," THEN WE OWN YOU. Sorry, that’s how it’s done. If the bank gives me money so I can buy a house, the bank "owns" that house until I pay it all back — with interest. Same deal for Wall Street. Whatever money you need to stay afloat, if our government considers you a safe risk — and necessary for the good of the country — then you can get a loan, but WE SHOULD OWN YOU. If you default, we will sell you. This is how the Swedish government did it and it worked.

5. ALL REGULATIONS SHOULD HAVE BEEN BE RESTORED. THE REAGAN REVOLUTION IS DEAD! This catastrophe happened because we let the fox have the keys to the hen-house. In 1999, Phil Gramm authored a bill to remove all the regulations that governed Wall Street and our banking system. The bill passed and Clinton signed it. Here’s what Sen.Phil Gramm, McCain’s chief economic advisor, said at the bill signing:

"In the 1930s … it was believed that government was the answer. It was believed that stability and growth came from government overriding the functioning of free markets.

"We are here today to repeal [that] because we have learned that government is not the answer. We have learned that freedom and competition are the answers. We have learned that we promote economic growth and we promote stability by having competition and freedom.

"I am proud to be here because this is an important bill; it is a deregulatory bill. I believe that that is the wave of the future, and I am awfully proud to have been a part of making it a reality."

FOR THIS NOT TO REOCCUR, This BILL SHOULD HAVE BEEN REPEALED! Bill Clinton could have helped by leading the effort for the repeal of the Gramm bill and the reinstating of even tougher regulations regarding our financial institutions. And when they were done with that, they should have restored the regulations for the airlines, the inspection of our food, the oil industry, OSHA, and every other entity that affects our daily lives. All oversight provisions for any "bailout" should have had enforcement monies attached to them and criminal penalties for all offenders.

6. IF IT’S TOO BIG TO FAIL, THEN THAT MEANS IT’S TOO BIG TO EXIST! Allowing the creation of these mega-mergers and not enforcing the monopoly and anti-trust laws has allowed a number of financial institutions and corporations to become so large, the very thought of their collapse means an even bigger collapse across the entire economy. No ONE or TWO companies should EVER have this kind of power! The so-called "economic Pearl Harbor" can’t happen when you have hundreds — thousands — of institutions where people have their money. When we have a dozen auto companies, if one goes belly-up, we DON’T FACE A NATIONAL DISASTER! If we have three separately-owned daily newspapers in your town, then one media company can’t call all the shots (I know… What am I thinking?! Who reads a paper anymore? Sure glad all those mergers and buyouts left us with a STRONG and "FREE" press!). Laws Should have been enacted to prevent companies from being so large and dominant that with one slingshot to the eye, the GIANT FALLS and DIES. And no institution should be allowed to set up money schemes that NO ONE understands. If you can’t explain it in two sentences, you shouldn’t be taking anyone’s money!

7. NO EXECUTIVE SHOULD EVER BE PAID MORE THAN 40 TIMES THEIR AVERAGE EMPLOYEE, AND NO EXECUTIVE SHOULD RECEIVE ANY KIND OF "PARACHUTE" OTHER THAN THE VERY GENEROUS SALARY HE OR SHE MADE WHILE WORKING FOR THE COMPANY. In 1980, the average American CEO made 45 times what their employees made. By 2003, they were making 254 times what their workers made. After 8 years of Bush, they now make over 400 times what their average employee makes. How We have allowed this to happen at publicly held companies is beyond reason. In Britain, the average CEO makes 28 times what their average employee makes. In Japan, it’s only 17 times! The last I heard, the CEO of Toyota was living the high life in Tokyo. How does he do it on so little money? Seriously, this is an OUTRAGE! We have created the mess we’re in by letting the people at the top become bloated beyond belief with millions of dollars. THIS HAS TO STOP! Not only should no executive who receives help out of this mess profit from it, but any executive who was in charge of running his company into the ground should be FIRED before the company receives ANY help.

8. CONGRESS SHOULD HAVE STRENGTHENED THE FDIC AND MADE IT A MODEL FOR PROTECTING NOT ONLY PEOPLE’S SAVINGS, BUT ALSO THEIR PENSIONS AND THEIR HOMES. Obama was correct to propose expanding FDIC protection of people’s savings in their banks to 0,000. But, this same sort of government insurance must be given to our NEVER have to worry about whether or not the money they’ve put away for their old age will be there. This should have meant strict government oversight of companies who manage their employees’ funds — or perhaps it means the companies should have been forced to turn over those funds and their management to the government? People’s private retirement funds must also be protected, but perhaps it’s time to consider not having one’s retirement invested in the casino known as the stock market??? Our government should have a solemn duty to guarantee that no one who grows old in this country has to worry about becoming destitute.

9. EVERYBODY NEEDS TO TAKE A DEEP BREATH, CALM DOWN, AND NOT LET FEAR RULE THE DAY. Turn off your TVs! We are NOT in the Second Great Depression. The sky is NOT falling, Chicken Little! Pundits and politicians have lied to us so FAST and FURIOUS it’s hard not to be affected by all the fear mongering. Even I wrote to and repeated what I heard on the news last week, that the Dow had the biggest one day drop in its history. Well, that was true in terms of points, but its 7% drop came nowhere close to Black Monday in 1987 when the stock market in one day lost 23% of its value. In the ’80s, 3,000 banks closed, but America didn’t go out of business. These institutions have always had their ups and downs and eventually it works out. It has to, because the rich do not like their wealth being disrupted! They have a vested interest in calming things down and getting back into their Jacuzzis before they slip into their million thread-count sheets to drift off to a peaceful, Vodka tonic and Ambien-induced slumber.

As crazy as things are right now, tens of thousands of people got a car loan last week. Thousands went to the bank and got a mortgage to buy a home. Students just back to college found banks more than happy to put them into hock for the next 15 years with a student loan. I was even pre-approved for a USK personal loan. Yes, life has gone on with little-or-no-change (other than the whopping 6.1% umeployment rate, but that happened last month). Not a single person lost any of his/her monies in bank, or a treasury note, or in a CD. And, the perhaps the most amazing thing is that the American public FINALLY didn’t buy the scare campaign. The citizens didn’t blink, instead telling Congress to take that bailout and shove it. THAT was impressive. Why didn’t the population succumb to the fright-filled warnings from their president and his cronies? Well, you can only say ‘Saddam has the bomb’ so many times before the people realize you’re a lying sack of shit. After eight long years, the nation is worn out and simply can’t take it any longer. The WORLD is fed up & I don’t blame them.

10. THEY SHOULD HAVE CREATED A NATIONAL BANK, A "PEOPLE’S BANK." Since they’re really itching to print up a trillion dollars, instead of giving it to a few rich people, why don’t We give it to ourselves? Now that We own Freddie and Fannie, why not set up a People’s bank? One that can provide low-interest loans for all sorts of people who want to own a home, start a small business, go to school, come up with the cure for cancer or create the next great invention. And, now that we own AIG – the country’s largest insurance company – let’s take the next step and PROVIDE HEALTH INSURANCE FOR EVERYONE. MEDICARE FOR ALL! It will SAVE us SO MUCH MONEY in the LONG RUN (not to mention bring peace of mind to all). And, America won’t be 12th on the life expectancy list! We’ll be able to have a longer lifespan, enjoying our government-protected pension and will live to see the day when the corporate criminals who caused this much misery are let out of prison so that We can help re-acclimate them to plain old ordinary, civilian life — a life with ONE nice home and ONE gas-free car invented with help from the People’s Bank.

P.S. Call your Senators NOW !!! —>

Since they voted against passing the extension of unemployment benefits and skipped out to "campaign" to us to be re-elected…call them and tell them you will vote for the other "guy" if they don’t get their act together!


The Bailout Is A Truly Evil Disaster And Enabler Pelosi Must Go

We are hearing more and more reports of how badly the ill-advised banker’s bailout is being handled, multi-million dollar bonuses for Paulson’s old cronies at Goldman Sachs, billions going to finance the takeover of rival banks, making the "too big to fail" even bigger, and the taxpayer getting an otherwise rotten deal for their investment. We even heard a Republic senator asking how fast they could blow the money.

NONE of this could have happened without the fawning complicity of Nancy Pelosi, who infamously said it was Bush’s proposal, INSTEAD of coming forward with a robust alternative plan. Just like Bush, she believes she is immune, she believes she is unaccountable, and shame on us if we don’t do everything we can to defeat her this Tuesday, and replace her with Cindy Sheehan.

Here is Cindy’s last TV spot. Please make whatever donation you can to put this ad on the air in these critical final days.

Last Cindy TV Spot Action Page:

There is still time for you to make a real difference. We thank all of our participants who have already donated so generously to make this campaign what it is. For those who cannot make a contribution, please consider helping with the phone banking, and there is a link for that also on the page above.

The one thing we know is that we must continue to speak out. We must continue to challenge. Surrendering is what our current so-called representatives in Congress are so prone to, NOT what we do. Ultimate victory is not only possible, it is assured if we work as hard as we can for real change, not just the rebranding of the same old boys’

And we promise you, immediately after the election we will go right back to work on pure issue advocacy full time, to continue to build the base of action for the future.

Paid for by Cindy Sheehan for Congress

Donations to Cindy Sheehan for Congress are not tax-deductible

Please take action NOW, so we can win all victories that are supposed to be ours, and forward this alert as widely as possible.

If you would like to get alerts like these, you can do so at

Or if you want to cease receiving our messages, just use the function at

Debt Management Options

Debt Management Options

Douglas Hoyes, CA, co-founder of Hoyes, Michalos & Associates Inc. describes debt management options including budgeting, debt consolidation loans, debt management plans, debt settlement, consumer proposals and personal bankruptcy.

For thousands of years, people have borrowed money to buy things. It’s how the banking business started. Debt is not necessarily bad, but if you’re not reducing debt faster than you’re accumulating it, then debt can be a disaster to your financial health. Here’s a question: how much is too much debt for you? Banks evaluate your creditworthiness by calculating your total debt-to-income ratio. 36% is acceptable. Over 40% is a red flag for potential danger. Under 30% is where you want to be. Do your own calculations to see if you are “debt-heavy.” Here are some warning signs of carrying too much debt: you spend more than you earn each month; you skip payments on some bills in order to pay others; you make the minimum payments on your credit cards; you’re maxed out on your credit card limits; you’re receiving late payment notices. If you think you have too much debt, you probably do. Let’s talk about a plan to better manage and minimize your debts. First, create a realistic budget and follow it. Only 39% of American set a monthly budget and stick to it. That’s probably why the majority of Americans spent more than they earned last year. Have a debt reduction plan. It’s smart to pay down the debts with the highest interest rate. Some people prefer to pay off their smallest debts first. Do whatever works for you, as long as you’re constantly reducing what you owe. Adjust your lifestyle. Sometimes the single best strategy is to live more simply. Drive a less expensive car. Sell your house and get a smaller mortgage. Find ways to cut back, spend less, and save more. Earn more money. Look into your options for a higher-paying job, or get a second part-time job to increase your monthly income. Start saving. Make saving part of your monthly budget. It takes commitment and discipline, but most “money-smart” people save at least 15% of their income every month. Talk directly with your creditors. Many will work out a revised payment schedule. If they know you’re committed to paying off your obligation, they sometimes reduce their fees, or won’t report you to a credit bureau. Debt is not the problem – being responsible about it is. Minimizing your debt and managing your cash flow is crucial to your financial health. You can’t get ahead if you’re falling behind, and you want to get ahead.
Video Rating: / 5

Wonderful Financial obligation Management images

Wonderful Financial obligation Management images

A couple of good financial obligation monitoring pictures I found:

Human Sculpture Judges
debt management
< img alt=" financial debt monitoring" src="" width=" 400"/ > Picture by< a href="" > Eva Rinaldi Star and Live Songs Digital photographer Australasian Law
Honors gets some enjoyment and also wow factor with Human Statuary Bodyart court living statues at Sydney City center … The ALB Australasian Regulation Awards is the

premier awards event for the Australian and New Zealand legal sector. It unites under one roof covering greater than 500 in-house counsels, personal specialists as well as market leaders to celebrate excellence in the lawful career, identifying people, groups as well as business for their exceptional success. For the inexperienced, ALB means’ Australasian Legal Company ‘, which is a leading trade publication from Thomson Reuters. Last Thursday the honors included some added enjoyment and wow aspect. The legal globe teamed up with the innovative arts
arts and also entertainment globe, as Sydney based Human Sculpture Bodyart developed and also gave 4 human sculpture’ Living Courts’. The prestigious event was so large that it used up 2 areas.

The human sculptures remained in the ‘Vestibule’ room, while supper for thousands of guests was offered in the adjacent’ Centennial Hall’. As far as we can identify, it was the very first time that the Legislation Awards( or
other legal entity in Australia ), has actually made use of human statues, living statues, or even done anything with bodypaint. From the outstanding responses obtained, it will not be the last time that the awards or legal field in Australia utilizes statues from Human Sculpture Bodyart. It’s recognized that Thomson Reuters was the prime organiser of the occasion.

Regarding Thomson Reuters … Thomson Reuters is the world’s leading resource of smart details for services as well as experts. Thomson Reuters is the globe’s leading source of intelligent info for organisations and also professionals. We incorporate industry knowledge with innovative innovation to deliver critical details to leading choice makers in the economic and danger, legal, tax and audit, copyright as well as science as well as media markets, powered by the world’s most relied on information company. With headquarters in New York and major operations in London as well as Eagan, Minnesota, Thomson Reuters uses around 60,000 people and runs in over 100 nations. Thomson Reuters shares are detailed on the Toronto and also New york city Stock Exchanges. To learn more, go to< a href=" "rel=" nofollow" > Web sites Human Statuary Bodyart< a href= "" rel=" nofollow" > Human Entertainment< a href="" rel=" nofollow" >

ALB Awards Thomson Reuters< a href="" rel=" nofollow" > Thomson Reuters (Australia).< a href=" " rel=" nofollow" > Sydney City center.< a href=" "rel=" nofollow" > Media … LAW IN ORDER PROUDLY SPONSORS THE ALB AUSTRALASIAN LEGISLATION HONORS 2013 … LegislationIn Order happily sponsors the

ALB Australasian Regulation Awards 2013. The ALB Australasian Legislation Awards is the premier awards event for the Australian and New Zealand legal sector. It brings together under one roofing greater than 500 in-house counsels, personal practitioners and industry leaders to celebrate excellence in the legal profession, recognising individuals, groups and firms for their impressive accomplishments. The ALB Australasian Legislation Honors go back to the Sydney City center on 30 May 2013 where all the winners will certainly be announced.

Regulation In Order is a pleased sponsor of 3 honors:. – Ingenious Use of Modern technology. – Insurance policy Company of The Year. – Work Professional

Firm of The Year. We would certainly like to take this opportunity to congratulate The 2013 ALB Honor finalists as well as anticipate commemorating the huge night with you all quickly.

Gilbert+ Tobin a multiple victor at respected ALB Regulation Awards 2013 … Gilbert+ Tobin( G+T) won a total amount of 5 awards including Australian Bargain of the Year at the ALB Legislation Honors 2013, organized at Sydney Town Hall on Might 30. G+T
was awarded Australian Offer of the Year for the 9 Home entertainment Team restructure. The strong stood for Nine Entertainment Co. in drawing the business back from the
brink of receivership, leading to a recapitalisation of A. 4 billion. Amanda Laing, Team General Advise of Nine Enjoyment Co. was granted In-House Lawyer of the Year for her critical function in the restructure and also sale of the ACP Publications organisation. As a crucial participant of the Nine executive group, Amanda was additionally acknowledged for establishing a joint venture between Nine and Fox sports for the NRL broadcasting civil liberties. G+T was likewise identified with honors for Debt Market Offer of the Year for Fortescue Metals term Lending B funding, M&A Deal of the Year for Foxtel’s procurement of Austar United Communications and Bankruptcy+ Restructuring Bargain of the Year for the 9 restructure. Along with the acknowledgment for major deals over the past year, G+T was likewise granted Sydney Law practice of the Year. G+T lawyers were additionally chosen for offer group and also dealmaker of the year. Handling Partner Danny Gilbert said,” We are pleased

with the recognition as it shows the quality of our job and also lawyers.”. The ALB Australasian Law Honors recognise and celebrate the success of the previous year within the Australian legal industry. More details. For additional info on Gilbert+ Tobin, please visit Media … Clayton Utz a finalist

at 2013 ALB Australasian Regulation Honors … Sydney, 14 Could 2013: Clayton Utz remains in the running for numerous honors at the 2013 ALB Australasian

Law Awards, which acknowledge as well as commemorate the legal profession’s accomplishments and successes over a 12-month period. Clayton Utz is

a finalist for Business Person Firm of the Year, along with being shortlisted in the Staff member Health & Health and wellbeing and Innovative Use Modern technology Award groups. Numerous deals which finished in 2012 as well as on which Clayton Utz had crucial advising roles have actually additionally been called finalists in their respective classifications:.

Energy and Resources Bargain of the Year. Yancoal Australia as well as Gloucester Coal merger: Clayton Utz recommended historical customer Noble Group on a suggested A billion merger in between Gloucester Coal as well as Yancoal Australia. Secret companions: Rory Moriarty and Graham Taylor. Ichthys LNG Project Financing: A Clayton Utz group advised Chubu Electric Power Co. on its acquisition of a passion in the Ichthys LNG Task, which will establish the Ichthys areas, situated in the Browse Basin off-shore of Western Australia, for the manufacturing of LNG and also condensate. Trick partners: Kevin O’Sullivan and also Adel van der Walt. Equity Market Offer of the Year.

Market down of shares in QR National: Clayton Utz represented Queensland Treasury Holdings on its A. 5 billion sell-down of shares in ASX-listed QR National Limited. The sell-down comprised a A. 5 billion block trade to institutional investors that settled 11 October, and also a A billion buy-back by QR National( subject to investor approval). Trick partners: Tim Reid as well as Stuart
Byrne. M&A Deal of the Year.
Pacific Equity Allies’ purchase of Spotless: Clayton Utz suggested longstanding customer Spotless Team Limited on its procurement by Pacific Equity Allies. Our function included recommending Pristine on all facets of the plan of plan, including the prep work of all purchase as well as disclosure records. Clayton Utz additionally supplied recurring guidance to the Spotless Board, executive team and monitoring throughout the procedure. Trick partners: Rod Halstead, Karen Evans-Cullen as well as Andrew Walker. Sydney Desalination Plant privatisation: Clayton Utz had a minor duty advising Infigen on its participation in the Sydney Desalination Plant. Trick companion: Bruce Cooper. Task Finance Bargain of the Year. APLNG job funding: A Clayton Utz team suggested APLNG and its sponsors in respect of the successful close of the United States.5 billion funding for APLNG’s liquefaction plant and facilities on Curtis Island. The transaction is Australia’s largest ever project financing and the very first time that the export financing arms of the USA as well as China( which together will certainly contribute a minimum of United States billion of debt )have actually co-operated on an Australian job.

Key companions: Bruce Cooper, Arch Fletcher and Stephen Loss. New Zealand Offer of the Year. Haier’s purchase of Fisher Paykel: Clayton Utz suggested Haier Group on the Australian elements of its procurement of 20% of Fisher & Paykel Devices. Trick partner: John Elliott. Honor winners will be revealed at a gala feature at Sydney Community Hall, Sydney, on Thursday 30 May. The Awards event is well gone to by both personal practice and also in-house attorneys as well as various other legal industry specialists from Australia and also New Zealand. Bell Gully welcomes acknowledgment at Australasian law honors … 31 Could 2013. Bell Gully’s 18-partner Company group was called New Zealand Bargain Team of the Year at the 2013 ALB Australasian Legislation Awards held at the Sydney Town Hall on Thursday evening. The awards provided recognition of Bell Gully’s work with a lot of the leading purchases
in 2012. The company suggested clients on all four of the transactions named as finalists for New Zealand Deal of the Year, consisting of Vodafone’s purchase of TelstraClear, Haier’s procurement of Fisher & Paykel Appliances, the sale of AMI Insurance coverage to IAG and also the
Fonterra Shareholders Fund IPO. The Fonterra IPO, which involved a number of
New Zealand firms, won the New Zealand Bargain of the Year category along with the Australasian honor for Equity Market Offer of the Year. Last evening’s success showed a total of 9 finalist elections for Bell Gully, more than were obtained by other New Zealand regulation firm. Roger Partridge, Chairman of Bell Gully, claimed the strong outcome mirrored the firm’s ongoing initiatives to deliver outstanding worth and service to its customers in a competitive market.” In a market where there is significant selection, customers continually pick Bell Gully to recommend on New Zealand’s largest offers. That’s not even if of the worth we add to our customers ‘deals, but a representation of the trust they have gained in us as we have aided them as well as their services prosper daily.”.” This outcome is a testament to solid customer partnerships, as well as we wish to thank our clients for their continuous assistance.”. The ALB honors acknowledge the essential transactions in Australia and New Zealand in 2012 and also the legal quality among the companies that advised on them. The finalists were assessed versus criteria consisting of deal worth, complexity, breadth and also the level to which the job included groundbreaking, initial lawful techniques as well as structures. Regarding Bell Gully. Bell Gully’s group of over 200 attorneys integrates market-leading business, industrial, economic solutions, tax obligation, residential property and also conflict resolution capacity with a broad variety of specialist skills. We

“function very closely with much of New Zealand’s leading business and are identified as a leading New Zealand legal advisor in a variety of independent worldwide lawful directory sites. Websites. Human Statue Bodyart.< a href =" "rel =" nofollow "> Human Home entertainment.< a href=" "rel =" nofollow "> ALB Honors. Thomson Reuters.

< a href ="" rel= "nofollow" > Thomson Reuters( Australia ).< a href= "" rel=" nofollow "> Sydney City center. Bank of America in Chinatown< img alt= "financial obligation management "src="" size=" 400"/ > Image by< a href=" "> Kevin Krejci