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Finance

Loan Modification is Stressful, So Know Your Options Government’s HAMP Program May Not Be Best for You

When the Obama administration rolled out the Home Affordable Modification Program (HAMP) in 2009, officials estimated 3 to 4 million borrowers would seek relief from their mortgages through the program amidst the worst recession and housing market collapse in decades.
More than two years later, those projections have proven to be optimistic, to say the least. According to the Treasury Department, about 700,000 homeowners had sought aid from HAMP through the third quarter of 2011.

That’s a long way from 3 million-plus.

HOUSE DEMOCRATS TO HOLD PUBLIC HEARING FEB 2 ON ECONOMIC SECURITY


House Democrats will hold a public hearing on Thursday to promote  economic security, highlighting their legislative plans to create good jobs and a strong economy, promote rural recovery and help small businesses.
 
“The development of good jobs and strong family incomes in Georgia is a primary obligation of this state,” said Representative Virgil Fludd. “While Georgia’s families are facing stagnant growth in their wages and a slow economy, our package of legislation will jump-start Georgia’s economy by hiring Georgia workers, demanding the purchase of Georgia-made products and requiring prompt payment on all state contracts.

Why We Overspend--How to Outsmart the Impulse in 2012

For many Americans, overspending seems like a birthright. But, warns financial advisor and author Leslie Greenman, sooner or later, those bad spending habits will catch up with you. She explains why we feel compelled to overspend and provides advice for making 2012 the year you tighten your purse strings.
           If you fear you’ll be ringing in the New Year with a holiday spending hangover, you’re not alone. In fact, studies show that many Americans will still be paying off their holiday debt months, and possibly years, after gifts have been exchanged.

Mayor Kasim Reed to Sign Legislation Enabling Building Permit Reform and Enterprise Fund

Mayor Kasim Reed to Sign Legislation
Enabling Building Permit Reform and Enterprise Fund
 
Mayor Kasim Reed will hold a press conference to discuss the Enterprise Fund for the Atlanta Office of Buildings and Ordinance.  The press conference will be held at City Hall on November 29, 2011 at 9:15 am.  Commissioner James Shelby and Don Rosenthal, Director of the Office of Buildings, Michael Paris, president and CEO of the Council for Quality Growth and John Ferguson, president of the Atlanta Commercial Board of Realtors will also be on hand to discuss the importance of this legislation.

Climate scientists and their billionaire backers, like Bill Gates, are trying to turn down the global thermostat - and make money doing it.



 One of the cool things about being Bill Gates is that if
you are curious about something, you can find smart people who will teach
you whatever it is that you want to know. About five years ago Gates decided
that he wanted to learn about climate change, so he arranged for two of the
world's leading climate scientists, David Keith of the University of Calgary
in Alberta, Canada, and Ken Caldeira of the Carnegie Institution, to
organize a series of seminars. Since then, Keith and Caldeira have recruited

Is it Weird Enough Yet?

Is It Weird Enough Yet?


By THOMAS L. FRIEDMAN

(Clickhereto view the original post published: September 13, 2011)



Every time I listen to Gov. Rick Perry of Texas and Representative Michele
Bachmann of Minnesota talk about how climate change is some fraud
perpetrated by scientists trying to gin up money for research, I'm always
reminded of one of my favorite movie lines that Jack Nicholson delivers to
his needy neighbor who knocks on his door in the film "As Good As It Gets."
"Where do they teach you to talk like this?

Work Less & Live Better Than Ever Before! Explosive New Book Shows How Far We've Come



Back in the 1830s, exhausted citizens went on strikes to lobby for an only-10 hour workday. Today, a 40 hour work-week is the statistical average in the United States.

In fact, if we also factor in time saved from the decreasing burden of housework due to automation, the typical American has gained the equivalent of SEVEN WEEKS of vacationsince just 1965.

In Jesse Richards' explosive non-fiction debut,The Secret Peace: Exposing the Positive Trend of World Events, this positive trend in modern living - and many, many more - are explored via a convincing picture of declining war, advancing health, equal rights, revolutionary technology.

WOMEN OF A CERTAIN AGE PURSUING SPORTY & MUSCLE CARS AT FASTER RATE THAN MEN

History says certain cars like the Chevy Corvette and Ford Mustang are typically desired by men, especially between the ages of 40-65. But new data fromLeaseTrader.comsays girl power might be taking over and men may be losing their grip on these time-honored classics.
 
Car leasing marketplaceLeaseTrader.comsays demand for some popular male-dominated vehicles is reversing and women shoppers today are going into overdrive when it comes to car demand. “Women have become very influential in the car shopping process and it’s now at a point where they clearly have their own voice as well as increased purchase power for cars,” said Sergio Stiberman, CEO and founder of

The Psychology of Wealth

Study Finds That The Affluent Focus on Self-improvement, Spirituality and Being Positive

A study performed by market research firm The Affluence Collaborative found that the affluent have significantly different habits and psychological characteristics that may affect wealth. Data reveals that 1 in 2 of affluent Americans thinks about their personal growth. When asked about their needs compared with other groups, the affluent reported needing more of the things that fortify their inner state versus their outer.

Double-dip Tax Savings when Giving to Non-Profit Organizations

Are you receiving adoubletax break when you donate to non-profit organizations?  By gifting appreciated stock or mutual funds instead of cash, you could save over $1,000 in taxes on a $5,000 donation!  The benefits of appreciated stock gifts are two-fold: receive a charitable deductionandavoid capital gain tax treatment on the appreciation of the gifted shares.  This gifting approach often allows more “bang” for your charitable buck than gifting cash alone.