Jumat, 23 April 2010

THREE CAL BEREKELY GRADS DETAINED IN IRAN

Middle East Map {{he|מפה מדינית של המזרח התיכו...Image via Wikipedia
Image via Wikipedia
THREE CAL BERKELEY GRADS DETAINED IN IRAN

All the education in the world in my opinion does not stop people from doing stupid stuff. Shane Bauer, Sara Shourd and Josh Fatal set out on a journey to visit Iraq. They were hiking in the mountains of Northern  Iraq and crossed the border into Iran, they say by mistake.
First of all what in the world, would anybody in their right mind want to visit a country that is at war. The three are supposed to be educated, apparently not educated enough to know that Americans are not welcome in the Middle East. Stupid idea on their part! Now they are in poor health and are thinking about go on a hungry strike. What’s that going to prove!
I my opinion their just going to make their loved ones more worried. I think the three of them are acting selfish.
I don’t blame Iran for detaining the three, because if the tables were turned the United States would do the same. This should be a lesson to all the other educated fools, that if you are thinking about going to another country, let a alone one that is at war. Stop don’t do it is it really worth your life.

http://www.nbcsandiego.com/news/politics/Cal-Grad-Detained-in-Iran-52354402.html

http://www.kcbs.com/localnews/Hikers-Detained-in-Iran-Sick-Considering-Hunger-St/6873192

LM
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Selasa, 20 April 2010

Michael Steele, Streetwise?

PHOENIX - MAY 15:  Rupublican National Committ...Image by Getty Images via Daylife
Michael Steele’s Recent Troubles with the GOP - “” managerial style?
Republican Party chairman Michael Steele defended his stewardship of  the party’s finances by suggesting that his managerial style is  "streetwise" and that has rubbed some of the old guard GOP the wrong way. The latest criticism concerns the $2,000 the GOP recently spent at a sex-themed Hollywood nightclub.
Steele had already come under fire for committee spending on flights, limousines and high-end hotels, but he was not present at the Voyeur Hollywood West on Jan. 31 when a group of young Republicans ran the $2,000 tab picked up by the RNC.
Two top congressional Republicans said that the RNC must be held accountable for the way it uses the money it raises in light of the much-criticized Hollywood outing. "This kind of thing has got to stop or they won't get any contributions," said Sen. Jon Kyl of Arizona, the No. 2 Republican in the Senate.
Kyl and Rep. Kevin McCarthy of California, who is leading the GOP effort to recruit candidates and elect House members, distanced themselves from Steele when discussing the committee's controversial spending.
After reporters noted the bill in a funding report, the RNC fired a staffer it blamed for the outing and said it would be reimbursed by a donor who had attended.
Steele was asked if he felt he has a smaller margin of error than others because he's black."The honest answer is yes. It just is," Steele said. "Barack Obama has a slimmer margin than others." "But you take that as part of the nature of it," Steele added. "It's more because you're not somebody they know. ... Not old-boy network oriented. ... My view on politics is much more grassroots oriented ... so I tend to, you know, come at it a little bit stronger, a little bit more street-wise. That's rubbed some feathers the wrong way."
In my opinion, Michael Steele is an opportunist and uses every opportunity to promote himself and to suggest that he is being criticized because he’s black – well duh, that’s the only reason he was elected as GOP chairman. If Barack Obama had not been elected President, Michael Steele would not be Chairman of the Republican Party. The Republican leadership did not want Steele as their Chairman which was painfully obvious after it took six ballots before he was elected Chairman. Minorities, in general, are not well represented in the Republican Party and based on Republican’s rhetoric and fundamental beliefs they are not a big tent party. Any minority who thinks that Republicans will look out for their interests are truly misguided.
Steele knows exactly where he stands in the Republican Party; and it’s not his so called “streetwise” managerial style that got him into trouble; he’s basically a joke.
Carol, CFO
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Jumat, 16 April 2010

Debt Management Program

A debt management program may be referred to as one of the methods by which you can reduce your debt burden. In this process, a credit counseling agency helps debtors by lowering the APR.

The right time to opt for debt management program-
A debtor may opt for a debt management program under the following circumstances-

• If a debtor has several debt accounts and is finding it difficult to manage them simultaneously, a debt management program may be opted for.
• A debtor is receiving collection calls from debt collectors and wants to avoid them.
• If a self repayment plan is not sufficient to bail out the debtor. He can opt for a DMP.
• If the debtor intends to improve his credit score, he can opt for a debt management program.

In a debt management program, commonly referred to as DMP, the debtor is required to make the single monthly payment to the credit counseling agency. The agency in turn manages the debts on behalf of the debtor. The credit counseling agency distributes the money to the respective creditors.

Types of debts covered by debt management program-
The following types of debts are covered under a debt management program-
• Medical bills
• Credit card bills
• Payday loans
• Student loans

In other words, unsecured debts are covered by the debt management program.
How does debt management program work?
• The credit counseling agency gathers details of all the debt accounts. Details include information about debt amount, APR, minimum payment etc.

• A budget is worked out by the agency and the debtors are also educated about efficient money management skills.

• The agency does all the negotiation with the different creditors and they settle for a lower monthly payment.

• A repayment plan is worked out by the credit counseling agency so that the debtor does not find it difficult to repay the outstanding balance.

• Once the single monthly payment is paid to the credit counseling agency, the same is paid to the respective creditors.

Benefits of a debt management program-
There are many benefits of a debt management program. Some of the noted benefits of a debt management program include the following-

• One can put an end to the collection calls from the collection agencies.
• A debtor does not have to shell out late fees or default payments.
• A debtor can enjoy lower rate of interest as well as lower monthly payments.

In addition to the above advantages, making payments on time will impact the credit report in a positive manner.
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