Mortgage Subsidy

Employment figures threaten to reach double digits anytime. Could ten-million unemployed become a reality? Unemployment is so widespread that if you are not among the ranks, you know somebody who is. Unemployment is a huge stress to single individuals. People with homes and families really have it hard. The government has attempted to alleviate the suffering by extending unemployment benefits, offering subsidies, modification of mortgage programs, but these attempts at amelioration are often not adequate. Government help is barely able to cover immediate life expenses, forget about college for the kids, car repairs, or any unexpected need for cash. People fortunate enough to have had the wherewithal to tuck away for any emergency are watching their savings quickly decrease. Others are just on the verge of survival, homelessness being the next step.

Unemployment Loans

For those who did not have the ability to tuck away rainy-day cash, there may be some good news. Some lenders have shifted their focus to service the needs of those unemployed by the shrinking economy. A market certainly exists for these lenders. Loans to the unemployed are becoming more popular as unemployment rises. Lenders are relaxing their employment qualifications. Unemployment loans, similar to other personal loans, are offered in two forms: secured and unsecured.

Secured Unemployment Loans

Borrowers in general, not just those unemployed, perceive loans that have stringent collateral requirements as a negative sort of transaction. It stands to reason that many folks do not like risking homes or vehicles to secure a loan. Especially when the repayment is so contingent on the vagaries of unemployment. But, secured loans do have advantages over unsecured loans. They offer lower interest rates, better repayment terms, and more generous amounts.

Unsecured Unemployment Loans

Unsecured unemployment loans are most popular due to the less stringent requirements and less difficulty in getting one. Individuals who do not have home equity, because they rent or just recently purchased a home, use these most often. Despite the popularity of these sorts of loans, they do have a couple of serious drawbacks: High interest rates. Quick repayment terms. These are part of the deal because of the increased risk of default to the lenders.

Finding an Unemployment Loan

The lending marketplace has plenty of lenders who are now catering to the unemployed. By shopping around it is easy to find a loan that is ideally matched to your particular circumstance. And you should shop around because rates and terms vary widely from lender to lender. The internet is the best place to start your search for these loans. The companies there can usually get you an offer within minutes and you can get quotes from many different lenders without obligating yourself. Never take the first offer – shop. Online application can save time and legwork.

Beware of Some Unemployment Lenders

As we are all well aware, identity theft is on the rise. Be sure you are dealing with a legitimate lender and not some one who is just phishing for info to steal your identity. Criminals are generating legitimate-looking websites just to cherry pick personal and financial information. Research the company thoroughly before handing over any data. Check with the Better Business Bureau or state authorities. Read online reviews from borrowers who have had experiences with the lender. Just be careful. Unemployment is enough of a hassle without adding identity theft on top of it.

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When looking to pay off credit card debt, one of the most overlooked options many people have are government grants. Many people do not look into these grants because they simply do not know about them. However, the government sets aside billions each year just for this purpose, to give them away. If you are one of the millions of people who are suffering from credit card debt, you definitely want to consider applying for a grant from the government.

Government grants are available, the key is finding them. If you are looking for debt relief, you should understand that there are ways to get out of this debt and it is up to you to seek the help you need and deserve. We all get into trouble now and then with our financial situation, however, if the help is available, why not take advantage of it.

Why do these grants make more sense when it comes to credit card debt elimination? Simply put, these grants are far easier to obtain than traditional loans. Traditional loans may require some form of collateral or security deposit, grants do not require these because they are provided by the government.

The key to grants is to be creative. The government is willing to jump-start the economy by providing small business grants. If you apply for and receive a grant for several thousand dollars, you can eliminate your debt by using the money earned in your business to pay them off.

In order to get the grant the people accepting your application will need to review your situation. In other words, they will be looking at many things. First, they will be looking at if you have the ability to pay the money you currently owe, then they will take a look at the debts you currently have, and finally your financial ability to repay what you owe and still maintain your current debt. If you can prove that you cannot pay back this money, the grant will likely be yours.

Government grants can do many things for you. First, they can provide you with the money you need for debt relief without having to provide security or collateral. Second, these grants can save you from having to file for bankruptcy. Third, no repayment is necessary, this is type of financial aid, and it cannot be taxed and does not accrue any interest. Finally, it can instantly make you debt free, which cannot be said about other types of debt relief solutions.

Overall, obtaining a government grant just makes sense when you are swimming in debt that you cannot get out of.

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The Gross Domestic Policy runs linear with the business cycle. When the there is a rise in a country’s GDP there is an expansion in that country’s business cycle and when there is a decline in a country’s GDP then that country’s business cycle goes into a recession like it is in our country right now. The economic agencies in charge do this to keep a balance of trade which plays a large part in keeping a country’s financials stable.

There are several government agencies who determine national fiscal policies to stabilize the country’s economy. These agencies deal with tax and interest rates and government spending, in an effort to control the economy. Answering to the Congress the Federal Reserve regulates the supply of money which helps control and keeps down inflation. The Federal Reserve Act sets forth the goals of monetary policy, specifically “to promote effectively the goals of maximum employment, stable prices, and moderate long-term interest rates. Financial stability is an important prerequisite for achieving those goals. The Internal Revenue Service or IRS deals with the taxation of the citizens. The IRS is also in charge of setting up the sales taxes for goods and services taking place in America.

When a government agency changes policies it can positively or negatively affect the economy’s production and employment rates. For example, our current government is trying to convert to green energy and will most likely provide subsidies to these businesses which will enable them to employ more people. The increase in demand for these products with help from the government will create more projects for these businesses to take on. The U.S. government may also changes policies such as increase spending on more green products and give tax breaks for businesses who build green products. A bill that passes the Senate can make or break a sector which deals in creating green products.

There are many roles the government bodies play in determining national fiscal policies and they have large effects on the economy’s production and employment. As you can see this also affects the use of Gross Domestic Policy to measure the business cycle.

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100 financing of investment properties refers to 100% financing from outside for your investment in real estate. Funds that are brought from one’s own savings, on loan from friends or relatives are in a way not much different from capital whereas real debt or Investment property financing comes from financial institutions. These entities – banks, mortgage firms and lending organizations like credit unions — lend funds to the applicant on the trust of a collateral security or based on the income, credit-worthiness and repayment capacity of the individual. Even if these criteria are satisfactory, an investment property financing institution may ask to be shown the business plan of how the applicant means to generate income using the pieces of property he or she means to buy and consequently pay off the loan or conclude the mortgage. The lender has the right to know how the business is going to be conducted because the revenues of this business determine how fast the loan is going to be repaid. With the turn in the economy, 100% financing investment property has almost been done away with.

100 financing investment property

In the United States, there are three credit bureaus, Equifax, Experian and Transunion, that maintain records of the lines of credit extended to each individual and how they are being handled. The credit reports formulated by these bureaus reflect how many credit card accounts a person has, how many times he or she has defaulted in payment or gone over the credit limit; other forms of financing availed by the individual such as home mortgage, auto finance or student loans, are also listed. Lenders and creditors have access to these credit reports and use them to check if an applicant is worth the risk of being given a loan. The exact features that point to an applicant as being risky can be found out after a professional analysis of one’s credit report. A high Debt to Income ratio and loan to value ratio are some of the red-flags. These areas have to be improved so as not be saddled with an exorbitant rate of interest and terms that are not favorable to the borrower. Some unfavorable terms are floating interest rates that send the finance charges through the roof upon a single defaulted payment. To prevent this eventuality, it is better to choose a deal with a fixed (flat) interest rate or a low ceiling rate on the interest rate slab.

Lending fees, high interest rates, discount points (another form of lending fees paid upfront to prevent the interest from racing up) can actually break the bank. In fact, there are many cases in which discount points have been deceptive and one ends up paying more for them, than the actual interest (finance charges) that would have been paid if the interest rates did go up. To prevent such goof ups, it is a good idea to take estimates from two or three lending organizations, compare their offerings and then choose the one that appeals most to one.

The worst pitfall to guard against is when some lender tells you that you are eligible for 100% financing of investment property. Those idyllic days are over. In fact, they are past their sell by date because there were not so idyllic. There may be such plans available on subsidy from the government for the exclusive use of first time homeowners who belong to the low income group. But this does not include investment property dealers. Traditional methods of 100% financing are now called owner financing and are still available but they are not an attractive option. It is not surprising that requests for owner financing are viewed with suspicion of default by lenders and therefore, that avenue is best avoided.

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Introduction:

Health Maintenance Organization Plans – HMO Plans for short – are a type of managed care program. The idea behind managed care programs is that maintaining good health will be achieved by preventing disease and providing quality care. By maintaining good health, it is believed that escalating health care costs can be controlled.

When HMO Plans were first introduced, members paid a fixed, prepaid monthly premium in exchange for health care from a contracted network of providers. The contracted network of providers includes hospitals, clinics and health care providers that have signed a contract with the HMO. In this sense, HMOs are the most restrictive form of managed care plans because they restrict the procedures, providers and benefits by requiring that the members use these providers and no others.

History:

HMOs were intended to take health care in a new direction. They were designed by the government to do away with individual health insurance plans and to make affordable health insurance available to everyone. At that time employers were purchasing individual health insurance plans for their employees ~ a costly expense that many were starting to forego.

The Health Maintenance Organization (HMO) Act was approved by President Nixon in 1973. The managed health care plans were subsidized by the government and the new HMO-type systems began to grow, typically organized by businesses and community groups eager to make health care available to their workers and members at costs they could better afford. This subsidy created deals from the insurance companies to lure these businesses to buy these new discounted low cost health plans for their employees instead of the costly individual health plans.

Feeling the power of the government behind them and the frantic desire of employers to enroll their employees in these new HMO Plans, insurance companies began to apply pressure to doctors to join an HMO. Doctors were told that if they didn’t join, the insurance company would find doctors who would join and they would effectively take all their patients away.  Thus, doctors ended up joining an HMO so they would not lose their patients and subsequently their entire practice. 

As time went on, the Insurance companies added more and more rules each time the doctor’s contract was renewed. The popularity of the HMO Plans meant that the majority of their patients had HMO plans so they accepted the new conditions.  New terms included seeing more patients, more stringent confidentiality agreements, and more services requiring pre-approvals.

Up until the 1980’s most members agreed that HMO’s were a great health plan. However, by the end of that decade, faced with mounting numbers of denied claims, members began to sour on the HMO Plans.

What led to the increase of denied claims? It wasn’t a result of the claims themselves; it was a result of bad investments by the insurance companies.

During the real estate boom, the insurance companies thought it would be a good idea to invest in real estate deals.  Unfortunately, when the savings and loan industry crashed along with real estate values, insurance companies began to lose money. These losses resulted in their coming up short to cover the claims of their HMO members. 

Thus began the practice to deny the claims of the HMO Plan members. The insurance companies denied claims on the basis that they were too expensive or medically un-necessary. At that time, members and their doctors did not fight these denials and because the insurance company got away with the denied claim process so well, they have continued to do this as part of their operating procedure.

However, a new concept has sprung up in recent year ~ HMO Law.

There are now lawyers and law firms dedicated to bringing cases against HMO’s. These claims include wrongful death, bad faith and medical malpractice. This means that an HMO can be sued when a person dies as a result of the HMO denying coverage for necessary medical treatment; for the denial of valid claims; and for medical malpractice on the part of one of its physicians.

Additionally, individual states are tightening up their laws governing HMO Plans.

In future articles we will discuss how HMO’s work, the types of HMO Plans, the cost of the plans and the future of the plans.

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Are you worried that the markets are going to crash, that you aren’t going to have enough money to pay off your credit cards, that your investments might falter, that the company you work for might not have enough work in the coming year and that your could be looking for work, and that generally the entire economy might be headed for Hell in a hand basket? If you are, then good. Because you’re at a point of very serious realization that everything is not always good and troubles always have a habit of cropping up.

One thing that many Americans, and even people around the world for that matter, fail to do is plan for hardship. They get complacent. Times are good so they take every dime they make and then some and spend, spend, spend. They fail to save. They fail to think about reality. This is made even worse by so-called promises by government that they will take care of you if something happens.

When the “safety net” exists people take bigger risks than they normally would or even should. If you think about it like a high wire at the circus would you, as someone that has never attempted such a stunt if you didn’t have a net under you? Probably not because odds are that you would be in for a world of hurt.

It is the same thing with American society and the economy. Government promises us everything from money in our retirement to food stamps, to money for housing to paying for our medical bills. And that means that people take risks that they shouldn’t.

They spend every spare dime on a home when they could have bought one that was less expensive and saved some because they don’t have to worry. They have Social Security funded by the working class.

They sit back keep looking for “something better” when they are unemployed because, well flipping burgers is beneath them and besides there is a nice government unemployment check coming in the mail that covers the necessities.

They run out and buy a new car when their old one was only four years old, ran fine and which they still owed several thousand dollars on. They ultimately pay more for that new car than it worth because they are forced to wrap that debt into the new loan payment instead of making sure they have some cash to fall back on if they get laid off for a couple months.

They run out and buy a 50 inch television to replace their 43 inch television. They run out and buy a whole new dinning room and living room set because they wanted a change of pace while their old furniture was perfectly good. They book an expensive two-week vacation cruise to Hawaii when they don’t have the money to do much more than take a weekend trip to the beach. They buy their children all sorts of new toys for Christmas when we all know that more than half of them will be taken out of the box once and never played with again.

They go into debt doing all this. The “cha-ching” of money changing hands has been replaced by the “swipe” of a credit card. And why shouldn’t they? There’s a huge “safety net” just waiting to catch them when they fall.

Now, don’t get me wrong. There is absolutely nothing wrong with buying on credit. Nothing wrong, that is, if you can pay it back and are willing to accept the risk that if you can’t the bank may come a knocking. And I’m not suggesting that the economy is going to enter a depression either, but that fear is out there now and smacking a lot of people who never considered saving a dime right in their faces.

But if you run out and put $20,000 on plastic and promise the lender 15.99% in interest a year and plop a pair of car loans on top of that and are committed to nearly $1,000 each month in debt payments what happens if something bad happens? What if that depression comes? What if you lose your job? Can you make the payments? Di you even think of that?

If you got caught in the housing bubble after buying up three properties that you believed you could renovate and flip but haven’t been able to sell and are carrying $2,400 a month in mortgage debt what now? Will you lose everything you thought you would gain and then some because you over extended yourself?

Did you think two, three, four or even five steps down the road? Did you apply the basic math skills you learned in grade school to figure out what would happen if your income were hampered or if your plans didn’t quite work out? Multiplication, addition, subtraction and division are the only skills you need to do these calculations. It’s not like you need to construct complex differential equations.

Some might say that such problems like I described above is a problem with consumerism, an often derisive term hurled by people that don’t like other people spending money in a way they don’t approve of. I do not. Personally I find nothing wrong with consumerism. Consumerism is what keeps our fellow man employed.

If people didn’t buy and “consume” goods can you even imagine how high our unemployment rate would be? Could you imagine how high the crime rate would be as those who were unemployed because others didn’t demand goods and services take to breaking into your house just to feed their families?

No, it’s not consumerism that is bad. What is bad is irresponsibility. It is irresponsibility when combined with consumerism, greed, vanity, want for what others have because you think you’ll gain status if you do, and so on that causes the problems. And that irresponsibility comes from child like attitudes that certain segments of society never outgrow.

When you were a child you didn’t have to work. You might have had chores to do and gotten an so that you could buy some luxuries, but as a whole someone else provided you with your clothing, food, shelter and other necessities of life. There was little risk that your actions would cause you not to have these things no matter what you did. They just appeared when mommy or daddy came home with bags, swiped their plastic cards at the store or under the tree on Christmas morning.

Life was good then. Wasn’t it?

But as we grow up, we learn that life really isn’t like that. Or at least life tries really heard to teach us that. And while some people live in their parent’s basement until they are forty and continue to have things provided for them by their parents, most people eventually get out into the real world. And in the real world we quickly learn that to pay the mortgage you better get a job.

But it seems that our desire to just have things magically appear that we want or need is hard to over come. Especially when a small piece of plastic makes your wishes come true. Got $100 to your name? Not a problem. You’ve probably got a credit card with a balance big enough to buy a big screen television. Magic!

Of course then reality overcomes this magical world where everything just appears. Those bills start rolling in for everything bought on credit and which you aren’t paying down any balance on. But the child in some of us still wants more. The child in some of us still wants stuff to magically appear.

And the future? Heck, who cares about saving for the future? The government sends you those nice pretty little statements each year telling you how much money they are going to give you once you retire right right? The government tells you that they will take care of your medicine and medical care when you are older right? If you don’t make enough money the government will give you food stamps to put food on your plate right? If you lose your job the government will send you a check for a couple months to help you out right?

Yeah, so who cares about the future?

The answer is you should because the government doesn’t have a magically money tree down in Washington, D.C. Nope. But you’re paying many of the taxes you do today, assuming you are part of the productive class, because there are people in America that think there is. And in the future if you are one of those people that have a hardship that results in a government check you’ll be asking others to pay taxes for your benefit as well. Not directly, and not politely but at the point of the government’s gun should they refuse.

But what you should really ask yourself is what happens if a massive depression does come. What happens if mass unemployment becomes the norm? Who is going to pay the taxes then? And where will the money come from?

But if you had planned, if you had saved just a little bit, if you had lived within your means you wouldn’t need to run to the government with your hand out like a little four year old begging mommy for a candy bar in the grocery store check out line. You wouldn’t have to be worried about what if there aren’t the tax dollars to cover the benefits government claims to promise. But you’re never going to be able to plan for your own future until you start having a healthy fear for that reality and what horrors the future can bring.

I am not saying panic. I am not saying stuff every penny you make under your mattress. I am saying that we all need to be more realistic and stop believing in magic, fairies, little plastic cards that can grant our every wish and the mythical money tree and understand that times are not always good and they are not always bad economically.

Either that or you can just hope and pray that you can make all those debt payments no mater what and really hope and pray that those government subsidies of your future that you are counting on will still be there. I for one don’t have that much faith in government because I have studied history.

But government will try to convince you otherwise with a check.

Futures Contracts

I’m weird.

I’m weird enough to never trust anyone completely! As a matter of fact; I have that as a motto! “Trust everyone! To let ya down sometime.” I’m weird enough also to know what I know. I mean, I do listen to everything I can of interest. I don’t mean “of interest to me only.

I mean interesting things; debates; politics; Conspiracy Nuts; etc. I like to have a well rounded grasp upon all items that are of interest to everyone in this country. I do not know, outside of “women’s issues”, what subject I don’t have a grasp on, or at the very least, have heard about. However; (you knew there was going to be one didn’t’ cha?) this “item” I am about to tell you about is a new one for me!

New, as in “just happened”. Not “new” as in, “I had no idear!”. I don’t have to tell you that I am always suspicious of all politicians, hooded men and women, and children. I already have espoused that on several occasions. This is going to amaze some of you, but some of you are going to think, “Ahh Haa! I knew it!” And of course it ain’t good! Not if you like your freedom.

Freedom is fleeting thing. In this country. It is almost as bad as the “night of glass” that Hitler staged. I am not kidding you here! This Freedom is our right. It should never be questioned. Never! Especially by our Government. Who, from time to time, does tread

upon an individual, or groups, rights. In that case, we have a right to grievance. Right to seek to have such things stopped. Especially

if such is done upon a particular person.

That is not a “democratic” idea. You see, “democratic” people want what is good for the community (country) as a whole, to be paramount. Individualism is not to be above the group in any way! A “republic” (having no connections the Republican party now-a-day) is the principle that the United States Constitution is built upon. But no matter! It will not be followed, defended, nor framed, to be anything such as “republican”! Here, today, in this country, you do not have any rights!

Think I’m foolish if you want to. But whenever a government rules in SECRET, then it truly rules monotheistic. Just in case that is not a word, and I do use my own at times, having little or no education; I will describe the government we are now under as “autocratic”; “irresponsible”; “Hitlatarian”; and terrorization! No end. If for any reason at all you are still of the mind-set to think this country is being run and is being defended by Patriots, I guess this might change your mind!

As an example; One day I was watching TV. I do that sometimes. But not “infomercials”. I watch “news”, or what passes for it these days. The wife likes “local” news. I don’t care for it, preferring to watch “talking heads” making “Asses” behinds out of themselves, instead of car wrecks; local sports; and car salesmen tout the next “wizbang”. I was alone at the time, so I was the only one to get a “vote” on what was on TV, and it was on, CNN, which is watched by me mainly to see what “spin” is being perpetrated at the moment.

I got up to go take a nap. A serious nap (is there any other kind?). I take naps and I’m proud of it! Anyway, I’m old and I digress. I

was about to leave the room, after having switched the TV and the Satellite Dish off. When all of a sudden, they both came on!

Now I know what your thinking. I’m old, I said that already. I’m in a napping mood. But no, I was not already napping! I am not so old that I do not know and understand that both the TV and the Satellite Control are able to stay on. I mean, in a “standby” mode, where the circuits are kept “hot” or at least warm, so whenever you turn it “on”, having already been “on” of a sort, it can show a picture rather quickly. Good. I love that! Uses too much electricity, but who cares? Right?

The problem is; as I was leaving the room, and the TV and the Satellite were both “off”, or in “standby” mode, they both came on. If I had not been in the room at the time, I would have never seen nor guess that it could do such! There was a small window, much like the one that displays on my computer. One of my computers. I can repair them myself, after breaking them. I can do some stuff, like reset BIOS, and replace the batter, and lie to it, so as to make it work better. But, this window, being like I said, the same as the computer, said it was “Updating” itself. And that’s not all! It also said something to the effect that, “If you unplug or disconnect anything during this “update” your service will be interrupted!”

Now of course being one to espouse Privacy, I confess I did have the notion to do just that! Grab the electrical wires and just give them a serious “yank”! But I got to watching it, as it quickly updated, a small “thermometer” running across the small “pop-up” window on my Television. I wonder if you saw anything similar? Or just think, as you were gone to work or shopping or working in the yard, yours did the same thing! How odd that was. To have to stand there and be less than involved with this thing, both in

action and in giving permission! I had not given permission, like on your computer? Nor did it ask for any. It said instead that I had

better not touch anything to control it! Now,…that’s weird!

I’m writing this to sort of educate you about this amazing thing happening to us. All of us. You see, this is only one symptom of what is really at the root of our countries illness. We are visually seeing this country being taken over by scoundrels! Our Government was taken over, and now our homes and automobiles, and soon, we ourselves will be taken over. Not to command our own destinies!? How shameful that the one country that was built on national pride and personal rights is being drug down to the Roman Ruin of history!

As Rome had more servants/slaves and the people had worse tyrants running the government, Rome went by the wayside. The leadership had been won; bought; and now inherited by a maniac! And from that, and constant war, Rome fell. Now does that sound familiar to you? Does to me!

This thing got hold of me. I mean, my brain, and I could not forget what it had done. Mainly because my computer had just done the same thing a few months ago! This new “Homeland Security” (you know what SH stands for right?) is the cause of AOL sending a message saying; really asking with an ultimatum, not asking with an alternative; that if we wanted to keep our service, we would

have to subscribe under new rules of membership. We, or that is, I, did so. I was really thoughtful about it. Knowledgeable about it.

Knew that “Homeland Security” already had total control, through its affiliated network, IE the Feds Secret Service, and FBI. So why this new rules change? They had to have a legal right that AOL had not been granted! Now, I either granted total ownership of all material I put onto AOL and its web sites, and subsidies, or I could turn AOL off! I chose, with my head “screwed on right” at the

time, to accept the new rules. I know, I know. I am always harping on others to “take a stand”, why didn’t I? For one reason only, that is given above. I thought they already, and am pretty sure they do, have the ability to do a “google search” on my files, saved and unsaved, online with AOL. In fact, not even obtaining a search warrant is mandatory now-a-days to search your home! Not even “knocking” is to be expected!

Well, the Satellite Control, just “updated” itself before my very eyes, without “knocking” or “getting permission” from the

homeowner! Why?

Because I figured that they wanted to listen in! They want to do the very thing that they were forbidden to do long ago. To “bug” all televisions sold or within the borders of America! That went up to the Congress, if I’m not mistaken. That and the new ability to “warp” your mind using the “flash” every so many seconds. A subliminal message could be “flashed” so fast you were not able to

detect it, thus know about it. But your subconscious did whatever it was told. So if it “flashed” a message of “EAT” you got hungry. If it said “EAT POPCORN”, then popcorn is what you craved. Yeah, it really worked. And still does to some degree.

Without pointing out the obvious connections between mass murderers; ex-college kids; that were ready to be “guinea pigs” for any researcher for enough money to eat, were many times the focus of such brainwashing. Even though they were told to watch the TV or the screen for something else, supposedly to be measured. Thus turning our non-graduates into mass murderers, and school shooters! “Still works” means that some publishers have not stopped placing advertisements that prey upon our innocent “IDs”. (pronounced eeds) We are shown genitalia on artwork, re-work actually, that could not be done with the real clothes upon real people. Fingers on bobsledders at the right angle and extension. Everyone having so much fun! Dresses and slacks that showed “every” detail, more than most “sex magazines” of my early days could. You see the way things are.

Well, I suspected somesuch as that described above. I had to find out. I wondered if there were more to this than just my first thought of “permissionless eavesdropping”. So I went to do a “google search” on the idea. And right away, I got one hit, but only one! It was on “youtube”. Done by a young man, who showed a short video of his Satellite Controller, where there was a mini-camera located within the front panel!

A small mini-camera can be very small. Perhaps as small as a pencil dot on white paper. That this one could be seen easily did not make me feel at ease. It made me furious! What audacity! What meanness! What an invasion of our privacy! But wait..!

This guy lived in Canada? Ok, not American. Canadian. But didn’t I learn that as the U.S. Government was not allowed to “spy” upon American citizens, they had the Canadians, along with the Australians, do it for them! They could, as the Congress is very short sited, provide the “wherewith all” to obtain the “snoop” on Americans, they just could not “gather” it themselves. However (again) they could act upon any particular item that cropped up, I mean, a foreign country doing spying on our country just happened, with our equipment we leased to them cheaply, found a Communist Taliban Lutheran hiding out and using some kind of code to communicate with less than departed “spirits”.

I still think that as they find ways to circumvent the laws, they also find many ways to circumvent the Rights I was guaranteed by the Constitution of the United States. A Constitution, by the way, where people risked their very lives to sign! Just so you could be in a country where no one dared do such as this!

What are you going to do about it? Vote? How ridiculous. Do you still have the believe in the “system” of voting? How do you monitor the monitors, who are supposed to be monitoring, the vote machines? Perhaps they all gather at a certain small building in Florida and tabulate the proffered cash? Just my thoughts.

Now……where’s that duct tape?

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This could be the next best seller, it has all the ingredients for a thriller, suspense and detective work. It might even be turned into a movie.

Cursing yourself won’t make it go away, you should have been more attentive about your obligations. Making belief that all will be OK is a fool’s world.

Anyway what’s done is done, you need to find out how to manage and take advantage of the situation.

Managing the situation.

Government loans, grants and subsidies are a good way of dealing with your financial headaches.

Utilise the federal mortgage act in your favour to reduce monthly repayments and then try to get that unsecured bad credit loans. With the money you save from the mortgage you can pay off your loan.

If you ever were to get that unsecured loan, make sure to always pay more than the minimum, that’s another way of boosting your credit. You must be seen trying to improve your situation.

Keep an eye on your credit score and check with credit rating agencies to see if what they have kept is correct, if not ask it be rectified. A simple letter is better than a phone call, you always have proof at hand.

Another thing obvious in this world, is how negative publicity sticks out like a soar thumb, I mean if you were never in trouble with your payments or have been punctual, your credit rating will remain  good, it won’t improve it will remain where it was. Banks, lenders won’t mention anything, unless it’s something bad, problems and mistakes get prime time coverage.

Most people don’t tend to look for anymore loans, even if they meet the criteria they are most certainly put off by their bad credit verdict. Banks are not going to walk over to you and say “we know you got bad credit history but we still want to give you this unsecured loan”, that’s your job you will have to confront your history and try to get that loan.

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Although it is unlikely to see system-wide financial risks in China in the near future, there are however six potential risk areas that may significantly affect the Chinese economy, if not properly addressed.

High inflation

Annualised consumer price index (CPI) released in April had reached 8.5%, which is at an uncomfortable level. There are several reasons for the rapidly rising prices in China.

RMB appreciation has only limited impact on the rising price of commodity imports. The rising food and metals prices in the world have directly contributed upward pressure to China’s CPI, and the rising energy prices globally are increasing difficulties on Chinese government’s domestic price control measures.

The ability of downstream industries to absorb price pressures from upstream materials suppliers has become minimal. Back in 2007, although the Chinese economy was also growing rapidly, the CPI could nevertheless stay around 4%. This was because there had been a capacity surplus built up in downstream industries and the competition was intense.

But due to the rising RMB and price adjustments in environmental protection, labour and land last year, profit margins in downstream industries have been suppressed. Therefore upstream price rises are now being passed onto consumers.

Price controls may be hard to maintain. The government’s price control measures can certainly be effective to keep down price hikes in the short term, but it has been proven that the “control – subsidy” mechanism may not be sustainable. Take the example of refined oil products in China. The breakeven price for Chinese petrol refiners is about US$67 per barrel, but in the first quarter of this year, international oil prices had been around $100-110. So even though there are lots of fiscal subsidies to refiners, shortage of refined oil products are still occurring in some markets.

Foreign exchange risks

Due to US dollar depreciation, US Federal Reserve’s rate cuts and People’s Bank of China (PBC)’s rate increases, PBC’s foreign currency reserve portfolio is showing widening losses arising from foreign currency (mainly US dollar) asset depreciation and hedging costs.

According PBC’s balance sheet released in February, it had equity of 21.975 billion yuan (RMB:USD = 7:1), equivalent to an equity/asset ratio of merely 0.12%. Policy makers should now prevent the PBC from assuming dual responsibilities of monetary policy and exchange rate policy, and let the government take over some of PBC’s quasi-fiscal deficit. If such deficits are left to be self-digested within the financial system, they may eventually bring risks to China’s monetary policy independence and even to PBC’s credibility.

Sharemarket volatility

The Chinese sharemarket’s price to earning ratio reached a staggering 67 times in 2007, while it has gone down nearly 50% since 2008. Such volatility may lead the following impacts on the economy.

Social wealth will be further concentrated towards a small group of people. But due to the rapid ups and downs, a lot of the paper wealth hasn’t been converted into real consumption, hence little obvious impacts on the consumer market.

The sharemarket’s capital raising capacity has been severely impacted. The depressed sharemarket and the excess demand for capital have prompted the authority to place restrictions on IPO and refinancing activities, so that market integrity can be maintained.

On the other hand, in the overall context of excess liquidity in China, surplus capital may flow to other asset markets such as property market, resulting in new asset bubbles.

The declining sharemarket has also increased the difficulties of macro policy implementation and monitoring measures by the regulator, such as “market bailout” demand and how to control liquidity while not further hammering the market.

Mortgage crisis

China’s real estate problem is largely a financial problem. By the end of 2007, real estate mortgage balance of China was 4.8 trillion yuan, accounting for 17.3% of total lending balance. And real estate mortgage balance growth accounted for 28.9% of total lending growth in 2007.

Amid the tightening monetary policy, some real estate companies that heavily depend on bank credit are now facing the risk of funding deficiency, and the quality of existing loans in some real estate companies may also deteriorate.

Reduced home affordability among home buyers may increase the risk of default. Loan repayment ability review on borrowers by Chinese banks is still relatively loose, and the credit system is still unsophisticated. Bank interest rates have cumulatively increased 1.44 percentage points between April 2006 and Dec 2007, further increasing the risk of default by less affordable home buyers.

The severe correction in China’s real estate market may lead to substantial negative equity among property owners. For properties purchased within a year, if their prices go down 30%, many mortgages may become a negative equity for their buyers, or buyers may be forced to give up their property ownership.

Banking sector risk

Since the banking industry reform, the proportion of non-performing assets in Chinese banks has substantially reduced, but future operational risks still remain.

Bank profits are still relying on traditional business liens and non-marketised interest rate differentials. Although China’s banking industry has seen improved proportion of intermediary business income in 2007, such growth was heavily depending on wealth management businesses. As the sharemarket continues to decline, income from wealth management businesses is expected to shrink significantly in 2008.

Bank balance sheet management and liquidity management need to be adjusted. In January 2008, long term lending accounted for 50% of total lent assets in China’s financial institutions, up 13% from the 2001 level. But on the other hand, short term deposits amounted to 40.3% of total deposit base, with no corresponding decline from 2001.

Bank credits are still chasing heated industries. Loans from commercial banks have mainly concentrated in industries such as real estate, transportation, public utilities and manufacturing. Amid the tightening monetary environment, if banks suddenly reduce their lending to those overheated industries, it may lead to severe funding breakdown in some highly-leveraged companies, hence loan quality deterioration.

International currency crisis

The current international currency system possesses obvious deficiencies, but a dramatic adjustment to this system will not be beneficial to most economies, either. It will still be difficult for China’s financial system and financial industry to adapt to the complex international currency environment.

Firstly, China’s international trading activities are primarily settled in USD, hence heavy dependence on the USD in terms of foreign exchange rate setting and settlement system. Secondly, as a country with huge trade surplus, both the Chinese government and the private sector have accumulated enormous USD asset, therefore any USD depreciation will cause substantial losses to China’s foreign exchange asset. Thirdly, even though the USD’s international currency status is declining, RMB regionalisation is still at an early stage, not capable of filling up the requirement of a regional currency in Asia. Lastly, if any change in USD’s status affects the Hong Kong Dollar, which is pegged to the USD, mainland China may have to bear some kind of ramification responsibilities.

Carotene

The Housing Choice Voucher Program, usually referred to as Section 8 Housing, is a government program that provides housing assistance to low-income renters and homeowners. This program provides “rental subsidies“, which are grants that pay for a portion of the cost of rent or mortgage payment.

This program is managed by the U.S. Department of Housing and Urban Development, otherwise known as the HUD. Below are some common questions and answers about Section 8 housing and low income housing assistance.

How do I qualify for section 8?

To qualify for low income housing, you must not make more than 50% of what the Area Median Income (or AMI) where you live. The Area Median Income is the average income of all the residents that live in your county. For example, if the AMI of your county is $60,000, you must make less than $30,000 to qualify.

To find out what the area median income is for your area, visit the U.S. Department of Housing and Urban Development (HUD) website.

How much rent will I still have to pay if I have a Section 8 voucher?

Your Section 8 rent voucher is based on your income. The voucher will pay anything above 30% of your income up to an established limit called Fair Market Rent. If your rent is greater than Fair Market Value, you will have to pay the difference.

For instance, if you earn $2,000 per month, 30% of your income is $600. If the house you’d like to rent is $900 per month, you will need to pay $600 per month and the voucher will pay $300, as long as the Fair Market Value in your area is greater than or equal to $900.

To find out what Fair Market Value is for your area, visit HUD’s website (Link: http://www.huduser.org/portal/datasets/fmr.html).

How long does it take to get a voucher?

It depends on many different factors. It primarily depends on how busy your local housing authority office is. Most offices receive a lot of applications each day and cannot process each of them immediately. Each area is only given a limited amount of money to assist in finding housing. Depending on how much your local office has given out already will affect how long you must wait to receive Section 8 assistance.

You will need to contact your local office to find out what the waiting list is like for these vouchers. To find the phone number to your local office, visit the HUD website here. (Link: http://www.hud.gov/offices/pih/pha/contacts/index.cfm).

Can I choose an apartment or house with rent higher than Fair Market Rent for my area?

Yes, but you will have to pay the difference. Section 8 assistance will not cover any costs higher than Fair Market Rent.

Can I rent any apartment or home with Section 8 vouchers?

Not necessarily. You will need to have a landlord that accepts Section 8 vouchers. Many are willing because it is a dependable payment. However, landlords are not legally required to accept Section 8, so if the home you are interested in has a higher rent that Fair Market Value, they might not be willing to accept it.

Can I use Section 8 to help pay my monthly mortgage payment?

Yes, but only if you are a qualified first-time homebuyer. To qualify, you need to have a household income of at least $10,300 and have been continuously employed for one year (with the exception of elderly or disabled persons.) You must also attend a homeownership counseling course and meet any other restrictions that your local housing authority requires.

The amount of assistance you can receive on your mortgage payments with Section 8 vouchers varies depending on your location. You will need to contact your local office to find out how much assistance is available for mortgages.

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