Archive for September, 2011
September 30th, 2011 | 
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Filling out a personal check requires filling in each blank accurately, including the correct date, the amount in numerical form, the amount spelled out, the subject or memo line and the signature. Fill out a personal check so it will be honored at the bank withinformation from a registered financial consultant in this free video on personal finance. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
Madeleine Letendre
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Nearly one third of all the personal insolvencies declared during the month of March are the result of financial difficulties brought about by overspending at Christmas. That’s according to new figures from R3, which suggest that many people already in personal debt spent heavily at Christmas, and are now finding themselves not meeting minimum payments. But, R3 president Peter Sargent warns that it is only the stigma of insolvency that prevents the numbers being even higher. He claims that many people in financial difficulties put off taking action for around six months often making matters worse in the process. A record 150000 are expected to need official insolvency help this year, this may include an Individual Voluntary Arrangement (IVA), Bankruptcy or a Debt Relief Order for non-homeowners with very limited assets. This an estimated 12% increase on 2009. EuroDebt director Vance Parsons says: “With the number of IVAs rising by 29 per cent in quarter four of 2009 compared to the same period in 2008, we would expect to see a continued rise through 2010. “Debt Relief Orders (DROs) were only introduced in April 2009, so this will be the first year we will have had a chance to see the full impact. We expect to see more and more indebted consumers seeking debt relief through Debt Management Plans (DMPs), IVAs, Bankruptcy and DROs.”
Rudolf Camberos
Filling out a personal check requires filling in each blank accurately, including the correct date, the amount in numerical form, the amount spelled out, the subject or memo line and the signature. Fill out a personal check so it will be honored at the bank withinformation from a registered financial consultant in this free video on personal finance. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
Denisha Ervay
Filing Chapter 13 is necessary after filing Chapter 7, as an individual cannot file for two of the same bankruptcies back-to-back. Get a lawyer when filing Chapter 13 withinformation from a registered financial consultant in this free video on personal finance. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
Charles
Vice President Biden joined by President Clinton, President George W. Bush, and families of the fallen, gathered in Shanksville, Pennsylvania to remember and honor 40 men and women who gave their lives so others could live theirs. September 10, 2011.
Phillip Casar
Corporate credit is based on the credit rating of a business. Banks will often extend a business loan based on a strong personal credit rating, which allows that individual to act as a guarantor for a loan. Find out how to get a corporate loan based on a personal credit rating, or by applying to a secondary lender, in thisfree video on personal finance from a licensed mortgage broker. Expert: Adriel Torres Contact: ultimatecredittoday.com Bio: Adriel Torres has been in the mortgage business for over a decade. He has owned two mortgage companies and is a licensed mortgage broker. Filmmaker: Christopher Rokosz
Stefanie
Skip Cowen, of Focus on the Future, shares helpful tips on managing personal debt and explains the difference between bad and good debt. He provides tips on how to get a handle on spending and saving. Go to www.focusonthefuture.tv for more information.
Steven Mcclenton
A coalition of consumer groups is today launching a charter aimed at eradicating fuel poverty. A household is deemed to be in fuel poverty if it has to spend more than 10 per cent of its total income on meeting its basic energy needs. 6.6 million families are struggling meet the costs of their home fuel bills, causing enormous financial difficulties and putting them at risk of personal debt and health problems. The charter is calling for the government to do more to achieve its stated aim of eliminating fuel poverty and to provide affected households with more help with their finances. The groups supporting the charter want to see a national energy efficiency scheme aimed at bringing together all the government’s efforts on fuel poverty.
Stefanie
Former President’s Bill Clinton and George W. Bush join Vice President Joe Biden and Secretary of the Interior Ken Salazar in Shanksville, PA to dedicate the opening of the Flight 93 National Memorial. September 10, 2011.
Tony Bodziony
The recession has caused many people to defraud their employers as financial hardship bites, rather than seek professional debt solutions. New figures from CIFAS, the UK’s Fraud Prevention Service show that workplace crimes rose by 45 per cent last year, compared to 2008 levels. CIFAS puts this down to workers suffering from financial problems, but not wishing to seek a professional solutions, such as an Individual Voluntary Arrangement (IVA) or Debt Management Plan (DMP). The report recommends that employers encourage their staff to talk about personal debt issues, with the hope that they would then be more willing to accept debt advice to help with their problems. Atlantic Financial Management’s director, Kevin Still, says: “Employees need to feel confident that they will get a sympathetic ear when discussing debt problems and not the HR department wheeling out their contract and pointing to a clause about personal insolvency or adverse credit history impacting their employment status. Pro-active leadership by the Employer can reduce their risk and probably improve employee performance where their financial stress may be reduced.”
Shanon Richer