Zero Fraud Liability

Posted on Monday, 13th February 2012 by Nate Sawers

Oh give me a break…..

Role of Financial Conditions in Economic Recovery: Lending and Leverage

Staff summarized research projects being conducted across the Federal Reserve System on the effects of changes in lending practices and household leverage on consumer spending in recent years. These projects provided a range of views regarding the size and importance of such effects. An analysis employing aggregate time-series data indicated that changes in income, household assets and liabilities, and credit availability can largely account for the movements in aggregate consumption seen since the mid-1990s; this finding suggests that changes in credit conditions may have been an important factor driving changes in the saving rate in recent years.

No really?  You needed a study to know this?  Who wants to hand in their PhDs right here and now?

A second analysis used data on borrowing, debt repayments, and other credit factors for individual borrowers; this study found that movements in leverage–resulting from voluntary loan repayments and from loan charge-offs–have had a substantial effect on the cash flow of many households over time, and thus presumably on their spending. H

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Tags: Give, Give Barfbag
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Posted on Sunday, 5th February 2012 by Nate Sawers

Santa Ana, CA (PRWEB) December 25, 2011

A new study by the Ewing Marion Kauffman Foundation found that up to 39% of angel investors dont even get a positive return on investment, meaning they end up losing money. This statistic is important to any small business owner or entrepreneur seeking funding for their small business. Angel investors are one way that small businesses get funding. Consequently, it is important for small business owners to know whats going on with Angel investors in order to better sell their business model. In the recent blog postAngel Investing Described as a Low ROI Investment, the Business Finance Store discusses new statistics on angel investing and how small businesses can use this information to their advantage.

If one assumes that angel investors read up on finance and understand the current business climate, then one would know that theyre looking for businesses offering as much of a guarantee on positive return on investment as possible.

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Tags: Angel, Angel Investing
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Posted on Thursday, 19th January 2012 by Nate Sawers

- You don’t have to remind me that in a free enterprise system, it is the “right” of any individual to earn as much as he possibly can. You don’t have to tell me that the government should not be the arbiter deciding how much any person in the private sector should earn. You don’t have to convince me that the men and women who work the longest, hardest – and smartest – hours and take advantage of the current system better than everyone else should take home the biggest piece of the pie.

I agree with all of that. But don’t try to then tell me that these folks are about job creation or primarily about trying to do a public good or must be paid $50 million in a year because they are just that darn indispensable – because they are not. You can’t say wit

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Posted on Saturday, 14th January 2012 by Nate Sawers

Gold slipped slightly yesterday as investors became nervous about the upcoming summit meeting in Europe.

MIAMI, FL – Suggestions that there may actually be a feasible plan this time have had a calming effect on the market, making gold less necessary as a safe haven. However, we have surely lost count of the number of meetings held between German Chancellor Merkel, French President Sarkozy and their fellow leaders, with the aim of coming up with a suitable plan to fix the region’s problems. We have yet to see a definitive plan. Chancellor Merkel wants stricter measures to enforce austerity measures and make it impossible for countries to get themselves into such debt in the future. At the same time, she remains adamant that she does not give consideration to the idea of euro bonds.

“It is a little strange that the financial markets are all waiting with bated breath for the outcome of Friday’s meeting,” says Bill Hionas of Pan American Metals of Miami. “There

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Tags: Miami
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Posted on Monday, 9th January 2012 by Nate Sawers

There’s no better time to take a good hard look at your portfolio than the beginning of a new year.

I know this may not be your first rodeo and chances are you’ve already done at least a little thinking about how your investments came through 2011, and what you’d like to achieve in 2012.

If not, there’s no time like the present.

Especially when it comes to something I call “Ditching the Dogs,” which is a variant of the well-known and very popular “Dogs of the Dow.” You’ve probably already guessed from the name that I’m talking about unloading those investments that have underperformed, or which are likely to hold my portfolio back in the next twelve months.

Obviously this is a highly personal process and every investor is different, but here are five stocks I’d avoid like the plague right now (and the reasons why):

1. Read more…

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Posted on Thursday, 5th January 2012 by Admin

If you are faced with insurmountable unsecured debts and you don’t know how you’re going to pay them, you may have considered bankruptcy. However, there is an alternative to bankruptcy that could also write off part of your debt called an IVA (Individual Voluntary Arrangement). If you’re a homeowner, it could potentially help you avoid the forced sale of your home (although you could be asked to release some of the equity in your home as part of the agreement).

This site can provide Individual Voluntary Arrangements, or read on to learn more.

What happens on an IVA?

On an IVA you would normally make monthly payments for 60 months, or five years (although the length of the agreement can sometimes vary). If the IVA is successful, the rest of your unsecured debt will be written off at the end.

An IVA is overseen by an Insolvency Practitioner (IP) – a legally trained expert who is responsible for arranging your IVA. Read more…

Tags: Individual Voluntary Arrangements
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