Manage Your Money for Debt Free Life | Credit Cards Debt

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Manage Your Money for Debt Free Life

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Like most of general public, you may find that managing your money is an overwhelming task. But the consequences of not managing your money well can causes you to trap into financial crisis; when you are in the trap, more efforts and times are needed to get out from there.

debt free, money management, manage your money, personal finance, debt management

Like most of general public, you may find that managing your money is an overwhelming task. But the consequences of not managing your money well can causes you to trap into financial crisis; when you are in the trap, more efforts and times are needed to get out from there.

With the enhancement for computer technology and many personal finance software have been released in the market, managing your money is no more a difficult task. The tough part is to get you started.

This article provides some information on how to get you started in managing your money. If you can?t do it all at least do more than you were doing, make progress. Then when that?s under control come back and add another chunk. Eventually you?ll have it all working for you.

The first step in managing your money is to figure out where you are at right now. To know this, you must list down all your ongoing expenses to a sheet of paper or into your personal finance system (if you are using a software application to manage your money). You may find that listing you ongoing expenses can be more difficult than it first seems; it is alright because everybody has the same feeling.

Ongoing Expenses

Try to list every dollar you spent within the last twelve months. Can?t quite remember everything? Start with the ongoing monthly expenses then add in daily and weekly expenses like food and transportation. Then focus on non-regular expenses like haircuts, birthday expenses, and vacations. Write down as much as you can. Once you have a yearly total then divide by twelve to get your real monthly expenses.

Incomes

Then, list down all your source of incomes including your job, gifts, garage sales, and income tax refunds. Once you have a yearly income figure divide it by twelve and your will get your average monthly income.

Compare your monthly income with your monthly expenses. If you get a positive result, you should glad that you have money left for saving or for other investment purposes; else you are adding debt to yourself and effort should put in place to find extra money to pay down your debt while making sure your necessities are taken care of.

Debts

List down your existing debt your owe exclude all those ongoing expenses listed above. Be sure and include all credit cards, car loans, and home mortgages. Then, add-in the loan?s interest rates, your monthly payment and any ongoing fees, like annual credit card fees, and determine how long it will take you to pay them off and the total amount paid. You may be shocked to see the figures; but relax, knowing these figures now will help to have a better picture on your debt situation and get them under control.

Assets

Your house, cars, investments, bank accounts or even your cash in hand are all your assets. Assets are what your own, list them down and compare them against what you owe (debts).

Get rid of debt

Now that you have a better idea of where you are and where you are headed. There are many methods which you can implement to reduce your debt and eventually eliminate them and enjoy a debt-free life. Among the common methods are:

• Debt Consolidation
• Debt Consolidation Loan
• Home Equity Loan
• Credit Counseling

Investment

Once you have your debt under control. Next, you can start to build your wealth. This means you will have to invest it with the expectation of getting more money, returns. Your money must make more money. The safest investments have the lowest returns. The highest returns come with the highest risk. Learning how to balance your tolerance for risk and make your investment based on your risk profile.

In Summary

Effectively managing your money is the only real way to get ahead financially. You must know the flow of your money in order for you to manage it effectively toward a debt free life.

Tags: debt, interest

This entry was posted on Wednesday, April 11th, 2012 at 9:48 am and is filed under Apply for a credit card, Credit Card Debt Management, Credit Cards. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.

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WATCH: iPad Assembled At Foxconn Factory

Handmade Gadgets

1? of ?10

On February 21, ABC aired a "Nightline" segment featuring Bill Weir's visit to a Chinese Foxconn factory responsible for making some of Apple's popular devices. During a tour of the factory, Weir says he "expected more robots" but in fact most of the gadgets at Foxconn are made the old-fashioned way: The high tech parts are put together by hand. For example, iPhones are assembled by hand in 141 steps. One iPad takes five days to assemble and passes through 325 sets of hands. On February 21, ABC aired a "Nightline" segment featuring Bill Weir's visit to a Chinese Foxconn factory responsible for making some of Apple's popular devices. During a tour of the factory, Weir says he "expected more robots" but in fact most of the gadgets at Foxconn are made the old-fashioned way: The high tech parts are put together by hand. For example, iPhones are assembled by hand in 141 steps. One iPad takes five days to assemble and passes through 325 sets of hands.

MORE SLIDESHOWS NEXT?> ??|?? <?PREV

Handmade Gadgets

On February 21, ABC aired a "Nightline" segment featuring Bill Weir's visit to a Chinese Foxconn factory responsible for making some of Apple's popular devices. During a tour of the factory, Weir says he "expected more robots" but in fact most of the gadgets at Foxconn are made the old-fashioned way: The high tech parts are put together by hand. For example, iPhones are assembled by hand in 141 steps. One iPad takes five days to assemble and passes through 325 sets of hands.

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Afghan Wireless Communications Company: Reconnecting Afghans ...

KABUL, Afghanistan?10 Apr?PRNewswire/InfoQuest

Founded by entrepreneur and philanthropist Mr. Ehsanollah Bayat, Afghan Wireless Communication Company (AWCC) is pleased to celebrate a decade of providing essential wireless telephony services reconnecting Afghans in even the most remote parts of the nation with the world.

Based on his fierce desire to assist the people of Afghanistan, founder and Chief Executive Officer Ehsan Bayat has guided Afghan Wireless to overcome challenges such as logistical problems, political instability, physical insecurity, and unreliable power supplies to pioneer the delivery of mobile telephony services to Afghanistan. Mr. Bayat?s initial mission was to help serve Afghans who ? up until the arrival of Afghan Wireless ? were unable to possess phones of any kind and were resigned to waiting in lines, sometimes for hours, to make calls at a small number of public call centers.

On April 6, 2002 ? a mere seven weeks after the arrival of AWCC?s initial network equipment in Afghanistan ? His Excellency Hamid Karzai inaugurated the Afghan Wireless GSM network with an international call to Germany. And, today, more than one decade later, Afghan Wireless and Mr. Ehsan Bayat are proud to celebrate the establishment of a modern telecommunications industry and service structure in Afghanistan.

According to Mr. Bayat: ?We are not just celebrating a decade of success for Afghan Wireless ? we are celebrating the arrival of a world-class telephony system and broadband services market for all Afghans. Gone are the days of wondering where and how a phone call can be made ? now Afghans are able to access sophisticated value added services and reliable connectivity in all parts of the nation. Afghan Wireless is pleased to have helped pioneer this industry and have played an integral role in reconnecting Afghanistan with the world. With over 98% of our team being comprised of talented Afghan staff and technicians, we have made AWCC a reflection of our nation as a whole, and we are proud to celebrate ten years of significant achievements with all of Afghanistan despite so many who have tried to undermine our country?s progress.?

About Afghan Wireless
Founded by Ehsanollah Bayat and headquartered in Kabul, Afghan Wireless (AWCC) ? a joint venture between Telephone Systems International, Inc. (TSI) and the Ministry of Communications ? serves approximately 4,000,000 subscribers throughout Afghanistan. Employing over 4,500 people directly and another 100,000 indirectly, Afghan Wireless is one of the largest employers in Afghanistan, and is a leader in delivering wireless and broadband communication solutions to residential and business customers. Additional information is available at www.afghan-wireless.com.

CONTACT: Alberto Lopez, a.lopez@tsiglobe.com, +97-142278695

SOURCE Afghan Wireless Communications Company

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LOL Trailer: Miley Cyrus Struggles With Relationships!

Aside from a few Twitter-fueled Miley Cyrus anorexic rumors, things are going well for the star lately. She's got a hot career and a hotter guy in Liam Hemsworth.

Miles is having a tougher go of it in her new movie, however.

In LOL (seriously, that's the name), Cyrus stars as Lola (or Lol, for short, seriously), a high schooler navigating through peer pressures of romance and friendship.

Lol breaks up with her BF after he reveals he's been seeing someone else, battles her rival (Ashley Greene) and sees her grades slip. That's just in the trailer, too!

Watch the preview for this modern day piece of cinematic brilliance, which also stars Demi Moore as the mother to Cyrus' frequently sad-facing character, here:

LOL Trailer

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Petrino getting plenty of support from Ark fans

FAYETTEVILLE, Ark. (AP) ? The scandal surrounding Bobby Petrino has divided Razorbacks fans, with many supporting the embattled Arkansas coach.

Petrino was put on paid leave last week after he didn't tell his boss right away that a 25-year-old female football program employee was riding with him during an April 1 motorcycle accident. The 51-year-old Petrino, who is married with four children, also admitted to an inappropriate relationship.

Kevin Trainor, a spokesman for athletic director Jeff Long, said the investigation was "ongoing" Monday. Punishments could include a suspension or even firing a coach who has put up a 21-5 record the past two seasons.

Also on Monday, a person familiar with the investigation confirmed Petrino's "previous inappropriate relationship" was with Jessica Dorrell, the former Arkansas volleyball player with whom Petrino was riding with during his motorcycle crash on a rural two-land road southeast of Fayetteville.

Petrino was noticeably vague in the wording about the relationship in his statement last Thursday, and the person spoke on the condition of anonymity.

In the meantime, radio waves and Internet message boards are abuzz with talk of Petrino's fate. Some fans want Petrino ousted while others are encouraging Long to keep the coach.

Bo Mattingly, a sports radio host on 92.1 FM-The Ticket in northwest Arkansas and syndicated throughout the state, said he has fielded a steady mix of pro- and anti-Petrino callers since last Thursday, when a state police report revealed the Dorrell's presence on the motorcycle during the accident.

Mattingly said his callers are torn between emotions, with many feeling that Arkansas "shouldn't put up with this" and those who believe "we can't do any better for a coach." He said the situation has put Long in an "impossible" situation, and that he's had boosters on both sides of the debate tell him they'll pull their support ? whether Arkansas keeps Petrino or not.

"Most people acknowledge that it's a bad deal, but the majority of calls we get are people trying to come up with a way to keep him, rationalizing in their own mind," Mattingly said. "They are coming up with ways Jeff Long could discipline him but still keep him."

A group of Petrino backers even started a Facebook page called "Team Save Coach Petrino" and rallied Monday night on the Arkansas campus to show their support for the coach. The group had approximately 7,000 members Monday morning before passing 17,000 by evening.

The page encouraged fans to email and call Long to offer their support for Petrino, closing its opening statement with "SAVE OUR COACH!"

Approximately 200 supporters showed up in The Gardens, a popular tailgating spot prior to football games on the Arkansas campus. Razorbacks T-shirts, sandals and hats were tossed into the crowd, which did its best game day impression by calling the Hogs.

Matt Couch, one of the organizers of the rally, was pleased with the turnout and hoped to influence Long's decision in favor of keeping Petrino. The Rogers, Ark., native said he graduated from the school and is a football booster, admitting the group would "probably not" have come together had Petrino had less success last season ? when the Razorbacks finished 11-2 and ranked No. 5.

"We're not condoning what he did morally," Couch said. "We are disappointed in him, but he's still our football coach and no one's perfect.

"... I wouldn't ask him for marriage counseling, but at the same time we're supportive of him and we want him to do well."

Another Arkansas fan, Jimmie Wilson, and her husband, Steve, drove an hour from Fort Smith, Ark., to attend the rally and support Petrino. Jimmie Wilson said she didn't feel bad for Dorrell, saying "I haven't heard her story, but she made a choice."

Wilson also said she would have attended the rally, even if the Razorbacks hadn't been as successful last season.

"Our program was going down, down, down," Wilson said. "When he got here, he's just brought it back to the level it should be. I think we have a really good chance this year to be at the top."

Petrino is intensely private, but his hiring in late 2007 unified the fan base in the wake of Houston Nutt's polarizing departure from the school for Mississippi. Nutt's last few seasons at Arkansas were filled with turmoil, with fans hiring planes to fly "Fire Nutt" banners prior to games and some even requesting the coach's cellphone records via the state's Freedom of Information Act to see what Nutt was up to.

Not everyone is giving unconditional support to Petrino, of course.

Rex Nelson, a former communications director in the governor's office, blogged about the Petrino dilemma on Monday.

"It turns out we have an out-of-stater we lured to Arkansas with big bucks who produced results but failed to build relationships, grew in arrogance, thrived on secrecy, always thought he was the smartest person in the room, treated some people with contempt and lied to cover up mistakes," Nelson wrote. "What an icon he could have been. What a tragedy for all concerned."

Nelson said he had no problem with a rally in support of Petrino, adding that Long has legal obligations to consider, not the coach's popularity. Nelson also called the scandal and decision a "no-win situation" for Long, who must choose between keeping a highly successful coach who lied to him or firing one of the top fundraisers in school history.

"From a national perception standpoint, it's terrible," Nelson said in an interview. "But those things can be overcome. We were in the middle of the Houston Nutt mess a few years ago, and here the program is now with 21 victories over the past two seasons. That was overcome, and this I'm confident will be overcome also in time."

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My Easter pity party | Team Rasler

It?s been a week now, in which I spent a lot of time throwing a pity party that no one came to except me. I got sick eight days ago. Just a cold, but one of those ridiculous colds that makes you feel like your head is really a watermelon that threatens to topple you with its excessive weight at any moment.

Jonathan had a work deadline, and I simply could not deal with the also-sick boys, so we called my mom to come help. She very kindly came down and did everything that needed doing, but when she left, the boys and I were still sick.

So on Easter Day it was just the four of us home alone. I put on a happy face and watched them do their egg hunt and play delightedly with the Legos that the (super cool) Easter Bunny had brought them, but when they went to bed, I sat down and cried. It increased my watermelon head by two sizes, of course, but the tears came anyway.

You see, I come from a big family. Really big. Like my mom was the oldest of seven, big. And they still have family parties ALL the time. And I miss those parties almost all of the time. I live too far away to fly back to Michigan easily or often, so I go home twice a year and I spend all the rest of the days looking at pictures on our family site and crying. Yes, I really do. We?ve lived here for six and a half years now, and I still cry on every stupid holiday because I miss my family.

My sister lives two hours north, and my parents moved out here a year and a half ago, so now a (very small) subset of my family gets together and we do it up as much as we can without the other fifty people. It makes the day more bearable, and the post-Skype tears are usually pretty short-lived.

This Easter was extra-special because we were also celebrating my sister?s birthday and my nephew?s. There was ice cream cake to be had, people, and I was THERE.

Except that I couldn?t be, because three of us had this Titanic-sized cold. So this Easter I missed not one but two family parties. I missed out on two friend invitations, too, because I didn?t think they were inviting our germs to their houses.

Jonathan held my hand while I cried and told me he was sorry, but he doesn?t really get it. He comes from a family of three, so frankly our house of four is already big in his world. His parents didn?t celebrate any holidays, really, so he doesn?t get that either.

So what I wanted to do was yell at him for the hundredth time that what the hell does he know about it anyway? But I didn?t, because I?m trying not to hold it against him that his family was small and holiday-less. I?m filing it under Things He Can?t Change, and accepting whatever sympathy I can get.

It?s two days later, and I?m finally wrapping up the pity party. But this isn?t what I wanted, for myself or for my boys. I cannot help but want them to have the happy, family-filled childhood that I had growing up. When I?m reminded that they don?t have it, I start looking for the nearest Exit From This Life. I know that the grass is always greener in Michigan, apparently, even if we live in the Evergreen State.

Yet I also know, deep in my heart, that having two parents with good jobs is important. I know that having their cousins just a drive away is right. It may not really be better anywhere but here.

But every holiday? It sure feels like it would be.

P.S. I faked it as well as I could, and I think the boys had fun. We even colored eggs in between coughs and nose wipes. Someone tried to drink the egg dye, though, so the other someone got to do all the rest.

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Raging clashes ahead of Syria pullout deadline

Clashes raged in Syria Monday ahead of a UN deadline for the regime to pull its troops out of protest hubs, with the US saying Damascus has shown no sign of sticking to a plan to end the fighting.

Tensions also rose with Syria's neighbours after cross-border shootings killed a cameraman in Lebanon and wounded three people in Turkey.

Under a peace deal brokered by UN and Arab League envoy Kofi Annan, Syria's armed forces are supposed to withdraw from protest centres early on Tuesday, with a complete end to fighting 48 hours later.

But the truce plan already appears in jeopardy after Damascus said it would keep its side of the bargain only if rebels gave written guarantees they would also stop fighting.

At least 105 people were killed on Monday, the Syrian Observatory for Human Rights said after weekend violence claimed almost 180 lives, most of them civilians.

Monday's toll included 23 members of the security forces and eight rebel fighters, while the rest were civilians, the monitor said.

Washington said Syrian President Bashar al-Assad has shown no sign so far that his government is sticking by the peace plan.

"We certainly have seen no sign yet of the Assad regime abiding by its commitments," White House spokesman Jay Carney told reporters.

UN leader Ban Ki-moon made a final plea for Assad to stop attacks on civilians.

"The secretary general reiterates his demand that the government of Syria immediately cease all military actions against civilians and fulfill all of its commitments made through joint special envoy Kofi Annan," UN spokesman Martin Nesirky said.

The Britain-based Observatory said Syrian helicopters attacked the village of Kfar Zeita in Hama province as regular forces clashed with rebels.

At least 35 civilians were killed in regime bombardment of Latamna village in the province, the Observatory said.

"The regime had thought that it would control all areas (by April 10). As this is not happening, it is procrastinating to gain time," said Observatory chief Rami Abdel Rahman.

"If the Annan plan does not work, no other plan would, and Syria would plunge into a civil war."

On the northern border, shots fired from inside Syria wounded two Syrians and a Turkish translator in the first case of Syrian fire hitting people on Turkish soil.

State Department spokeswoman Victoria Nuland told reporters the United States was "absolutely outraged by today's report."

The incident -- on the eve of a visit by Annan to refugee camps -- prompted Turkey's foreign ministry to tell Syria's mission in Ankara to "immediately halt the shooting," a diplomatic source said.

Some 25,000 Syrian refugees are currently in camps in Turkey's three provinces bordering Syria, after fleeing the deadly year-long crackdown.

Milliyet newspaper reported on Monday that Ankara would consider using troops to secure humanitarian corridors in border areas if refugee numbers rose above 50,000.

Lebanese Prime Minister Najib Mikati, whose government is dominated by pro-Syrian parties, condemned Monday's death of Lebanese television cameraman Ali Shaaban, who was killed inside Lebanese territory by Syrian gunfire.

Syria's SANA state news agency said the team from Al-Jadeed television came under fire as border guards opened fire in retaliation to an attack by "terrorist groups."

China urged Syria to honour its commitments.

"China urges the Syrian government and parties concerned in Syria to seize the important opportunities, to honour their commitment of ceasefire and withdrawal of troops," foreign ministry spokesman Liu Weimin said.

Syrian Foreign Minister Walid Muallem was due on Tuesday to meet Russian counterpart Sergei Lavrov in Moscow. Russia and Beijing blocked two UN Security Council draft resolutions condemning Damascus for its bloody crackdown.

On Sunday, the Syrian foreign ministry outlined the regime's new conditions.

"To say that Syria will pull back its forces from towns on April 10 is inaccurate, Kofi Annan having not yet presented written guarantees on the acceptance by armed terrorist groups of a halt to all violence," it said.

It said the regime was also awaiting written guarantees from the governments of Qatar, Saudi Arabia and Turkey "on stopping their funding to terrorist groups," referring to the regime's key regional critics.

Rebel army chief Colonel Asaad countered: "We are committed to the Annan plan... We will present our guarantees and our commitments to the international community, but not to this (Syrian) regime."

Free Syrian Army spokesman Colonel Kassem Saadeddine on Monday reiterated the FSA's readiness to cease fire on Tuesday "if the regime commits to respecting the terms of the (UN) plan."

After Turkey, Annan will travel to Syria's ally Iran, for a visit to Syrian refugee camps near the border, a Turkish diplomatic source said.

"I remind the Syrian government of the need for full implementation of its commitments and stress that the present escalation of violence is unacceptable," Annan said on Sunday.

The Security Council has formally endorsed the Tuesday deadline for a ceasefire, but Damascus said that the number of "terrorist acts" has risen since the deal was agreed.

The United Nations says more than 9,000 people have been killed since anti-regime protests broke out in March 2011, while monitors put the number at more than 10,000.

On Monday, Human Rights Watch accused Syrian security forces of executing more than 100 civilians and rebels in protest hubs since late 2011, urging any UN mission to Syria to collect evidence.

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HARP 2.0: Refinance Mortgages in Boston - Boston Real Estate Law ...

That pleasing harp like sound you hear is that of the Home Affordable Refinance Program (HARP) rebooting and retooling its rules to make it easier for homeowners to refinance, reports NASDAQ. These new rules are being called HARP 2.0 (I guess that's more appropriate than Return of the HARP).

HARP 2.0 will allow homeowners that couldn't previously refinance because they owed too much on their mortgage (called being "underwater") to go ahead and refinance at a lower interest rate.

So what are the HARP 2.0 requirements?

HARP 2.0 is for homeowners that are current on their mortgages, reports FindLaw's Phoenix Bankruptcy Law News. Being current means you can't have more than one late payment in the past year and zero late payments in the previous six months.

In addition, the loans must be owned by Fannie Mae or Freddie Mac. To check if you own a mortgage with these two, you can go to the following sites:

To determine eligibility there are a number of HARP Eligibility Calculators available out there, including at Zillow.

If you are eligible you will be able to take advantage of a number of things, including the fact that you won't have to get an appraisal or have your loan underwritten. You will also be able to kick away a number of fees, particularly where you refinance into a shorter-term loan.

As for when you need to spring into action on this, the faster the better. But the HARP 2.0 requirements allow until Dec. 31, 2013 to get your act together.

It will be interesting to see whether HARP 2.0 in Boston will lead to a new real estate boom. If at any point of the process you become confused, be sure to consult with a local attorney.

Related Resources:

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David Coates: Questions for Republicans on Health Care Reform

As we await the verdict of nine Supreme Court Justices on the constitutionality of all or part of the Affordable Care Act (ACA), it is worth asking what the remaining Republican Presidential nominees would create in its place. We know that they would have to create something, because each is committed to the rapid abolition of what they insist on calling "Obamacare." Mitt Romney's Plan for Jobs and Economic Growth is quite clear: "An Order to Pave the Way to End Obamacare," it tells us, will be the first of "five executive orders for Day One" of a Romney presidency. Newt Gingrich would be similarly engaged on the first day of his presidency. So too would Rick Santorum and Ron Paul. All four remaining Republican presidential candidates are enthusiastic First Day Abolitionists!

But what we don't know in any detail is what exactly would follow on Day 2, if any of them were elected in November. We know some things, but we do not know anywhere near enough.

? We know that Mitt Romney would "direct the Secretary of Health and Human Services and all relevant officials to return the maximum possible authority to the states to innovate and design health care solutions that work best for them." We know that he has changed his position from "pro-choice" to "pro-life," and that he now supports the Blunt proposal allowing employers and insurers to limit coverage of contraceptives if they have religious/moral objections to that provision. We also know he is proposing to return Medicaid spending entirely to the states, that he would raise the Medicare eligibility age by one month per year during his presidency, and that he would offer Medicare recipients (by 2022) a choice between "the traditional, fee-for-service government health-care program and a new option to purchase private insurance, with the cost partly supported by the government." Since so many of those proposals also appear in the 2012 Ryan budget passed by the House in March, we also know that Romney has declared that budget "a bold and exciting effort, very much consistent with what I put out earlier."

? We know that Rick Santorum -- ultra-conservative as he is on abortion, gay marriage and even contraception -- would, as his website has it, "repeal and replace Obamacare with market based health care innovation and competition to improve America and America's health and create jobs." We know, too, that he would work with Congress, as he wrote in the Wall Street Journal, "to replace Obamacare with competitive insurance choices to improve quality and limit the costs of health care, while protecting those with uninsurable health conditions." We also know that Rick Santorum dismisses Romney's health care proposals as eleventh hour conversions from his (Romney's) own equivalent to the ACA. 'The bottom line," as he told Romney during the February 22 debate in Arizona, is "you used federal dollars to fund the government takeover of health care in Massachusetts, and then Barack Obama used it as a model for taking over his health care system in America."

? We have some insight into Ron Paul's thinking on these matters from the candidates' debate in September when Wolf Blitzer asked him what we should do if someone who had chosen not to take out health insurance suddenly needed long-term care. "That's what freedom is about, taking your own risks," was Paul's reply. The audience went even further. To Blitzer's follow up question -- "Society should just let him die?" -- they broke into cheers and shouts of "Yeah!"

? And we know that late conversions to conservative positions are not a Mitt Romney monopoly. As recently as 2007 Newt Gingrich was proposing that "Congress should require anyone who earns more than $50,000 to purchase health insurance or post a bond;" and in 2011 Gingrich criticized the Ryan proposals that were later endorsed by Mitt Romney as too radical a piece of conservative social engineering. That is not quite the Gingrich we have seen on the campaign trail these many months.

? Well might Gingrich have criticized Paul Ryan, for in the 2011 budget, House Republicans proposed not simply scrapping the ACA. They also proposed replacing Medicare entirely with a voucher system, one in which seniors would receive federal money to help buy private insurance but also one in which any top-up costs would be borne by seniors themselves. In 2012 Ryan and the House Republicans modified that proposal slightly, allowing future Medicare recipients to choose between staying in the program or receiving limited help to buy private health insurance. For in 2012, Ryan's main target was not Medicare but Medicaid -- with the new budget proposing immediately to scrap the extensions of coverage mandated by the ACA, and to restrict the federal role in Medicaid thereafter to the writing for each state of a single check (indexed for inflation and population growth) which state officials could spend on the medical needs of the poor as they saw fit. The Ryan 2012 budget also proposed reducing the total growth in the amount of those Medicaid checks by $810 billion over the next decade -- in effect cutting total federal spending on the medical needs of the poor by 20 percent.

We also know one other set of things -- about "Obamacare" itself. Although the Affordable Care Act has already been scaled back in key ways, we know that certain of its provisions have already brought significant change to the U.S. health system, and that its remaining provisions promise even more significant changes to come. So it is legitimate to ask whether Republicans in Congress and on the presidential stump are proposing to roll back any/all of the following ACA-initiated changes?

? CONSUMER RIGHTS Under the ACA, insurance companies are no longer allowed to exclude potential customers on the basis of pre-existing conditions. Nor are they allowed to alter premiums if their customers become sick, or to set lifetime/annual limits on payments for care. (This in the context of an American population in which, in 2007, as many as 36 percent of those seeking private health insurance were denied such coverage or charged higher premiums for just those reasons, and in which more than 7 Americans in 10 currently support the retention of this provision. )

? INSURANCE FOR YOUNG ADULTS Parents are now able to keep their children covered on their health insurance until the children are aged 26. The EPI estimate that 490,000 young adults gained coverage between 2009 and 2010 because of this provision in the ACA, a twelve month period in which employer-sponsored health insurance fell for all other age groups in the U.S. population. (This in the context of unemployment rates among 18 to 24 year olds currently running at over 20 percent, one in which at least 15 million 19-29 year olds lacked health insurance in 2009, and one in five Americans aged 25-34 are reportedly now living back with their parents. )

? HEALTH-INSURANCE EXCHANGES From 2014, Americans unable to negotiate employer-provided health insurance cover will have access to state-level insurance exchanges in which they will be able to obtain private health insurance, with federal assistance if their income is too small. 30-34 million Americans are expected to gain coverage under this and other provisions of the ACA. (This in the context of a steady diminution in the percentage of the U.S. labor force with access to employer-provided health insurance -- down to 58.6 percent in 2010, when it had been 69.2 percent in 2000 -- and a continuing rise in the number of Americans without health insurance -- up by one million in 2010 to just under 50 million. Nine million working-age Americans lost their jobs, and with it their health coverage, between 2008 and 2010. )

? FINANCIAL HELP WITH INSURANCE PREMIUMS Americans earning up to four times the poverty level for their size of family will have access to federal funds to help pay for health care coverage. (This in the context of a distribution of income in the contemporary United States that keeps one American in three living within one tranche of the poverty level, and in which the cost of health insurance has far outstripped the rate of wage increase in the last decade -- health costs having more than doubled as wages have stagnated.)

? EXPANSION OF MEDICAID Americans living below the poverty line -- and indeed those living up to 133 percent above it -- will now be eligible for Medicaid, regardless of whether they do or do not have children. (This in the context of a poverty rate among all Americans of 15.1 percent, among African-Americans of 27.4 percent and among Hispanic Americans of 26.6 percent. )

? WOMEN'S HEALTH Women now enjoy increased access to preventive care services without co-pays and deductibles. By 2014 insurance companies and Medicare will be obliged to provide a wide range of these services, including access to a full range of FDA-approved contraceptives, without any gender-rating of insurance premiums. "About 54 million Americans now have expanded coverage of at least one preventive service as a result." (This in the context in which 98 percent of Catholic American women regularly use some form of birth control, and one in which, before the passing of the ACA, 87 percent of all individual insurance plans excluded maternity care on the grounds of it being "a pre-existing condition." )

? AID TO SENIORS Senior citizens on Medicare now have federal help financing part of the doughnut hole in their purchase of prescription drugs. In 2011, 3.6 million senior Americans saved more than $2 million as a result. The Act proposes closing the doughnut hole entirely by 2020. (This in the context of a Medicare population of over 48 million.)

So there are questions to which the American electorate deserves clear and unambiguous answers from the men who would take the White House back for the Republicans in November.

1. At the very least, we deserve to know if "the abolishing of Obamacare on Day 1," to which they are all committed, will involve the abolition of some/all of the detailed -- and popular -- changes already implemented or underway. Are the Republican candidates proposing to do away with the ban on pre-conditions? (Santorum, at least, is on record as saying the ban should go. ) Will children under 26 be covered on their parents' policies? Will Americans on low income receive federal funding to help purchase health insurance? Will the numbers of the involuntarily uninsured go up or go down if the Republicans win the White House? We need to know.

2. We also need to know where the candidates stand on the consequences of the Ryan budget. Where do the candidates stand on the CBO's recent estimate that, when by 2022 Medicare has been replaced by vouchers, senior citizens will find themselves responsible for up to two-thirds of their total medical bills? Do the candidates really support the detail of the Ryan budget when its proposed Medicaid spending limits are anticipated to take between 14 and 28 million poor Americans out of coverage by 2022, and when its associated cuts in food stamps would adversely impact the basic diets of the 47 million Americans now dependent upon them? Is it the policy of the Republican presidential candidates, as it is of the House Republicans supporting this budget, to see federal spending on Medicaid, SCHIP and subsidies for private insurance be 75 percent lower by 2050 than they will be if existing legislation remains in place? And how do Republicans square their advocacy of privatizing Medicare with their claim that seniors and the poor will not be adversely affected, when there is clear evidence, from the CBO and others, that privatization would "likely result in higher out-of-pocket costs and greater limits to coverage for many Americans."

3. And again, how exactly will the Republican proposals achieve better cost-savings than those projected for the Affordable Care Act? Those ACA cost savings, as we know, would have been greater had not Republican legislators blocked the inclusion of a public option in the state-level health exchanges, and had they not also blocked the creation of a single nation-wide exchange. Even now, House Republicans are blocking the creation of the Independent Payment Advisory Board designed explicitly to reduce costs (the CBO had it saving $3 billion between 2018 and 2022. ) Unless the new requirements on preconditions and the individual mandate are dropped in any Republican-designed health care reform, how can that reform avoid a veritable explosion in the cost of insurance premiums? ("Insurance premiums would rise by as much as 25 percent if the healthcare law is implemented without an individual mandate, according to a new analysis from the Robert Wood Johnson Foundation." ) Deregulated insurance companies have historically inflated health care costs in the United States, putting profits before service to leave the U.S. with the most expensive health care system in the advanced industrial world. How exactly will market-based reforms avoid that fate in the future?

4. We need to know so many other things too. Why is the individual mandate -- once the corner-stone of conservative proposals to reform the U.S. health care system -- now so unacceptable to conservatives? Why are they so upset with this dimension of the ACA, when the individual mandate will apply to so few people -- maybe two percent of all Americans at most? Why are conservative legislators so opposed to this example of privatization when they are so keen on other examples -- not least the privatization of Social Security -- whose constitutional legitimacy will also be brought into question if this key element of the ACA is indeed struck down? And why seek to replace Medicare with subsidized private insurance when the evidence is abundantly clear that Medicare is significantly cheaper to deliver and administer than any form of "managed competition" yet devised?

5. And, of course, we still need to know why "Obamacare" was acceptable to Mitt Romney when he was Governor of Massachusetts, but is not acceptable to Mitt Romney when seeking the Republican presidential nomination. Why, when the Massachusetts experiment is actually working so well? It was apparently obvious to Romney the governor that the market in health care and the market in broccoli were not the same -- that by not buying broccoli Americans were not adding to the financial burdens of their fellow citizens, but that by not buying health care, they were. So why the change: is this a matter of principle or of politics? If this is simply a matter of politics, what plans does Romney have in place to cope with the chaos which both a full and a partial striking down of the ACA will leave in place in a U.S. health-care system already beginning to implement so many of the ACA reforms? If, however, it is a matter of principle, then what is the Republican answer to the free-rider problem to which the individual mandate is one possible solution? Are Accident and Emergency units in American hospitals to turn away those without insurance, or will those with insurance be expected to continue to cross-subsidize those without? We need to know.

Political vandalism is always the easier route for parties and individuals when out of office. But with office come responsibilities -- and the bigger the office, the greater the responsibilities associated with it. So those Republican politicians who would seek the highest office in the land have a particular obligation to be clear with those of us who would elect them.

? They need to tell us how a return to market-based insurance reform can hope to clear the way for access to healthcare for all, in an economy as scarred as this one is with income inequality and mass involuntary unemployment.
? They need to defend and justify their impoverished notion of freedom: freedom defined as the freedom from health-care responsibilities, and not as the freedom to live without the fear of catastrophic health care costs.
? They need to tell us how they -- the political magicians they claim to be -- can reduce healthcare costs without reducing the availability of coverage to the American poor; and they need to test that assertion, in all its detail, in the court of public opinion.

Healthcare is too important an issue -- and too large a part of the American economy -- to be discussed in clich?s and sound-bites. In truth, it's actually too important an issue to be resolved by nine unelected judges attempting to divine how long-dead eighteen century men would respond to twenty-first century problems. But there's no avoiding that. The Supreme Court will have its say, and what those nine judges decide will seal the fate of the ACA one way or the other. So as we wait for them to do that, we do desperately need to know what would actually happen should the ACA be struck down and there be a Republican presidential election victory in November. We need to know all that well in advance.

Of course, as we saw earlier when reviewing Republican positions on taxes, on business regulation and on federal deficits, to the degree that we do discover what a Republican victory in November will actually mean, the likelihood of that victory will diminish accordingly. That is presumably one rather important reason why the four remaining Republican candidates are not telling us, in the detail we require, what exactly they will create in the ACA's place. We need to press them to do so.

First posted with full notes and academic citations at www.davidcoates.net

?

Follow David Coates on Twitter: www.twitter.com/coatesdavid

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Bob Weinstein's wife files for divorce in NY

NEW YORK (AP) ? The wife of film producer Bob Weinstein has filed for divorce in New York and is seeking an order of protection.

Court papers say Anne Weinstein is seeking the protection order because she fears "bodily harm."

A spokesman for Bob Weinstein says his wife was reacting to a family intervention to get her to deal with a drinking problem. He says there is no abuse.

The two married in 2000. Anne Weinstein is a former book editor. They have two children.

Bob Weinstein and his brother Harvey are New York natives and Hollywood mainstays who run their own film company after breaking off from Disney and Miramax, which they helped found. They have been involved highly successful films such as "Pulp Fiction," ''The English Patient," and "Shakespeare in Love."

___

Information from: Daily News, http://www.nydailynews.com

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Booz Market Research Report: Growth Strategy Development in an ...

April 8th, 2012 ? No Comments ? Journal

For any products go to market plan, creating the pricing strategy is one of the core driver to a profitable product growth strategy. For the most part, the products positioning along its product adoption lifecycle will dictate its overarching pricing strategy. From a high level, pricing is motivated by the strategic intent of whether our strategic goal is to skim the market or to penetrate the market. To develop the most effective pricing strategy, a business need to look at things under the backdrop of the products adoption curve. There are several core components to the design of strategy execution growth strategy. Strategic activities need to be diligently controlled. You should design the organizational context that governs how the business operates. Strategy planning/budgeting projects include growth scenario planning, strategic planning design, and growth strategy management. Organization context includes such initiatives as governance, organizational structure, performance tracking, rewards, as well as manager capabilities and cognitive frames. Under the umbrella of strategic initiatives, we should evaluate the companys portfolio of strategic projects, ownership and management, and political tactics. When you do not have enough pricing data, your other option is to mathematically derive pricing sensitivity growth strategy. Determine those price drivers that are most relevant. Determining a formula for pricing sensitivity is a multi step process, starting with choosing the key drivers to sensitivity. Buyers price sensitivity for any given product increases the higher the products price relative to substitutive products. However, depending your product, only a subset of these drivers are truly relevant. Reference growth strategy effect is a widely applicable pricing driver. Score the impact of each penetrating price sensitivity driver. Perceived substitutes can vary by consumer segment, by scenario, as well as other factors. Marketers have proposed 9 key drivers to price sensitivity consulting growth strategy. The higher the offering-specific cost of investment to the consumer applied to change the demand driver for consumption, the less price sensitive that buyer is when compressing buyer cycle time between substitute products. http://www. slideshare. net/slideshow/embed_code/6804442
Bcg Growth Strategy Guernsey Energy Constrained (GEL) can be a restricted liability firm wholly owned with the States of Guernsey blue ocean strategy. ? Executive biographies ? A short summary in the executives? work record. The business generally operates its enterprise actions spanned all the way through the areas of Guernsey Island. ? Important staff members ? A record from the crucial executives in the corporation. The organization may be the only company of electrical vitality on the island of Guernsey functioning beneath the Electrical power (Guernsey) Legislation of 2001. The island?s electrical power grid is linked to the European electric power grid by way of two submarine cables. ? Company method ? summarization with the company?s enterprise method. ? Critical opponents ? A checklist of critical opponents towards the business. ? Company description ? A thorough description on the company?s functions and company divisions. ? Important merchandise and solutions ? A checklist of main items, providers and makes with the organization growth strategy approach. ? Essential operational heads ? A record of personnel heading essential departments/functions. GEL?s core small business routines entail electricity era and sale of electrical energy across the areas of Guernsey Island and its non-core enterprise section involves electrical retailing and industrial contracting companies between other folks. ? Critical places and subsidiaries ? A listing of critical places and subsidiaries on the corporation, such as speak to information. Bain Growth Strategy The 3rd approach could be the business development strategy organic growth strategy. It could be utilized by marketing and advertising of new methods of utilization of the precise identical merchandise to some new variety of customers. You?ll be able to do that by reducing the cost, promotional campaigns or obtaining the competitor by yourself. You are able to figure out the newest sector for oneself probably section smart or geographically. It is possible to also retain the penetration by mounting the entry limitations for just about any new entrant competitor. Remember to be aware the focus phrase correct right here is current. The phrases to concentrate listed below are the mixed phrases that are new marketplace area but exact same merchandise. Promoting Penetration tactics are of varied varieties. You?ll be able to also basically market the present items to new customer s without having incorporating the element of new makes use of. You are able to try this by getting limitations like quite very low cost of labor or economies of scale and lots of other people. Just one of those techniques is always to purchase the clientele of your respective competitor. This method is utilised once the industry area is new however the item may be the exact same. Blue Ocean Strategy three. Exploit Market place TendenciesOf all company expansion approach i?m sharing nowadays, this technique will make or break your enterprise mckinsey growth strategy. This may be considered a aggressive edge to suit your needs. Never hesitate to diversify. five. You Should have A Diversification ApproachHere is the final organization development approach i can share with you for now and it really is as crucial since the other folks. This may be reached by checking the market for alterations in getting standards, service or product improvements and population developments. Pattern is your close friend, under no circumstances resist adjust. Diversifying into other industries can help maintain your enterprise development. When establishing enterprise expansion tactics and strategy, generally make sure to incorporate a potential diversification prepare. You will need to hold your eyes and ears open up to take full advantage of any readily available industrial pattern.

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Annan says Syria violence "unacceptable", breaks guarantees

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Police search for gunman who shot 5 in Oklahoma

(Reuters) - A gunman shot five people, killing three of them, in a black neighborhood of Tulsa, Oklahoma, in a shooting spree that left residents on edge and sparked an intensive manhunt on Saturday.

Three men and one woman were shot within a mile of each other in north Tulsa at around 1 a.m. on Friday morning, police said.

The body of a fifth victim, 31-year-old William Allen, was discovered outside a nearby funeral home in the predominantly black part of the city after 8 a.m. on Friday. Police said he was likely shot at about the same time as the others.

Police described the suspect as a white man driving a white pickup truck.

Though all five of the victims were black, Tulsa Police Chief Chuck Jordan said it was too early to know whether the shootings were racially motivated.

"The whole race issue, the hate crime issue, there's a very logical theory that would say that's what it could be, but I'm a police officer, I've got to go by the evidence," Jordan said, adding that no racial slurs had been used by the gunman.

"It's just not time for us to say that," Jordan said. "Right now I'm worried about more of my citizens being murdered."

Police identified the other people killed as Dannaer Fields, 49, and Bobby Clark, 54.

The names of the two survivors were not released and authorities said only that they were expected to survive.

Agents from the FBI and U.S. Marshals Service were helping Tulsa police hunt for the suspect.

'PEOPLE ARE FEARFUL'

Tulsa City Councilman Jack Henderson, who represents the district in which the shootings took place, said members of the community were anxious knowing a gunman was at large.

"People are fearful," Henderson said. "They are afraid they can't walk down the street."

Henderson said witnesses told police the suspect drove through the neighborhood at about 1 a.m. on Friday, stopping several people on the street and asking for directions.

The pedestrians spoke briefly with the man but began walking away after they could not help him with the directions, Henderson said. The driver then shot at them, killing one, and sped away, he said.

A witness told police that he or she was sitting in front of a house when a man pulled up in a white Chevrolet pickup truck with rust spots on the hood and asked for directions.

After a brief exchange, the suspect produced a handgun and fired, striking two people before driving off, police said.

"This is now a manhunt," Henderson said. "They are working around the clock to bring this person to justice."

Authorities asked people to come forward with any information on the shootings.

"All citizens of Tulsa understand the significance of this event," Mayor Dewey Bartlett said.

(Writing by Dan Whitcomb; Additional reporting by Dan Whitcomb and Barbara Goldberg; Editing by Doina Chiacu)

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Buy A Domain Name For Real Estate

The real estate business is a very stable industry and it continues to generate billions of revenue each year. It is really great to have a huge chunk of this market. One good way to earn in the real estate business is to become buyers agent. Or better yet have a website of buyers agents. You can buy a domain name on the Internet and create a place where buyers agents and clients can connect.

You may categorize your site into different locations so buyers agents can post their profiles and the properties they are selling while clients can easily browse by location. Buyers agents northern beaches Sydney for example is a specific category for a specific location. The more specific you categorize and arrange them the better it is for clients who are trying to search.

When more buyers agents and clients visit your domain you can earn profit through advertisements. There are several ways to earn a profitable income in the real estate industry and this is just one example. Of course you would have to think of better ideas on how you can make your business unique.

You can buy a domain to either post real estate properties you are trying to sell or you can create a site where people can post free listings of the properties they are selling where you gain profit from ads. You will be deciding which approach you will take.

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US, Europe to 'demand' Iran close nuclear facility

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Generate Potential consumers Via the internet with a Digital Agency ...

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To make this possible, your digital agency will take a look at social networking, for instance, to yield customers for your small business, and they could permeate niche discussion boards where your target audience will most likely meet in order to guide customers to your webpage and offerings. On the internet target segments convene in internet groups like forums and some other social media marketing platforms to ask questions and find answers to their individual and company desires, and if this happens to be forum that is dedicated to your internet business? series of products, then you can be certain these consumers will effortlessly be converted into shoppers once they know where to shop for services that tackle and match their essential needs ? your internet business? website. When this traffic is targeted to your site, then you can certainly be sure that you possess a herd of new consumers that will keep coming back.

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Are you looking for a digital agency to help with your marketing plan? Check out this article for helpful tips.

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