Credit Card Merging As Scientific Studies Are The True Secret

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Source: http://www.legaldebthelponline.com/2012/06/28/credit-card-merging-as-scientific-studies-are-the-true-secret/

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This Right Here Is How To Make $90,000 A Year Working For The Army

Acupuncture

Sequester is coming, sequester is coming!

Everyone in Washington is running around crying sequester, when automatic defense cuts are supposed to kick in Jan 1, 2013, and cut hundreds of billions in defense spending, screaming: "Oh my! The sky will certainly fall!"

I have four words for them: Relax: No, it won't.

And as if to prove my point, the military is so flush The Army's hiring $90,000 a year acupuncturists to treat its troops. Times clearly ain't so tough.

Here's the thing, the US defense budget has nearly doubled since 2000, from $350 billion to about $690 billion, and yet politicians are short on excuses for why we can't trim a mere $50 billion annually.

Instead of anything concrete or specific, we hear obscure, borderline Orwellian, slogans like we have to "support our troops" or it will be "catastrophic to national security."

Yet somehow, acupuncturists, battlefield trained acupuncturists, are essential to "national security."

Slate reported this morning that the US Army is hiring acupuncturists for a pain clinic in Fort Sam Houston at a salary range of $68,000 to $89,000. The Air Force is also training it's doctors in "battlefield acupuncture," due in no small part to the efforts of one Col. Richard Niemtzow.

Niemtzow has "refined" the method of ear acupuncture to five points, all of which can be reached under a helmet.

Now certainly a guy as smart as Niemtzow knows that soldiers and their helmets are not fused together, so unless we plan on deploying acupuncturists to the front lines, his "refinement" of this method on the government dime has been a gigantic waste of time.

Slate's report comes on the heels of an absolutely epic squeal-fest by Ohio lawmakers trying to save military programs that the Department of Defense doesn't even want.

These include upgrading the M-1 Abrams tank (the last time we had a serious tank battle was over 20 years ago) at a cost of hundreds of millions, but more notably the continuation of the Global Hawk drone program at a savings of $2.5 billion over ten years, reports the Dayton Daily News.

Gen. Norton Schwartz (ret.), who was Air Force chief of staff until just Aug. 10 of this year, told Aviation Weekly that the outcomes didn't match the cost of the Global Hawk program.

"The reality is that the Global Hawk system has proven not to be less expensive to operate than the U-2, and in many respects the Global Hawk Block 30 system is not as capable—from a sensor perspective—as is the U-2,” he told Aviation Weekly.

And it's a ten year old program. It started in 2001, and has been refined since, and still has not met expectations.

Ohio lawmakers lost their minds though when the idea of cutting the program came up. Lost their bipartisan minds, that is.

Senator Sherrod Brown (D.) and Senator Rob Portman (R.), of the Senate Appropriations Committee the Senate Armed Services Committee respectively, both sought to keep these programs despite the Pentagon advising against. The defense programs are connected to jobs in Ohio, and these senators want to keep federal money in their districts because it serves as a stimulative effect to the local economy.

Spreading out fabrication of military equipment across many states is a commonly used tactic of defense contractors. It keeps bipartisan support for old systems which should be cut. Defense Secretary Leon Paneta says there are other national security risks to keeping these programs as well.

"If members try to restore their favorite programs without regard to an overall strategy, the cuts will have to come from areas that could impact overall readiness," Defense Secretary Leon Panetta said during a brief in May.

"Every dollar that is added will have to be offset by cuts in national security," Panetta added. "And if for some reason they do not want to comply with the Budget Control Act, then they would certainly be adding to the deficit, which only puts our national security further at risk."

So not only are we willing to field dated equipment with expensive cost and poor outcomes, but we're willing to field expensive medical practices with no basis in fact.

That's what politicians mean when they say "support our troops."

Now: See My Trip Into A Gunfight In Afghanistan >

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Caterpillar Feels The Pinch Of High Interest Rates In China

The efforts by the Chinese government to cool its rising real estate prices and control high inflation by maintaining high interest rates have caused a decline in Caterpillar's sales in the country.

Source: http://www.forbes.com/sites/greatspeculations/2012/08/22/caterpillar-feels-the-pinch-of-high-interest-rates-in-china/

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Which Country Goes Bankrupt Next? (Hint: It's Not Who You Think)

Belize

When Greece defaulted on its government bonds in March, it was the first country of any size to take such a step since the great Argentine default of 2002. It won't be the last.

Now, quibblers contend that Greece didn't really default on its debt. Instead, the country presented its creditors with a take-it-or-leave-it offer: Write off all but 46.5% of the debt, or watch Greece declare bankruptcy and lose it all. (They took the 46.5%).

But that's still a technical default -- and that's now what Belize is proposing to do, too.

Default by Facebook

According to The Wall Street Journal, Belize is telling its creditors that unless they write off 45% of its debt, or give it a 15-year holiday from debt payments, the country will default on the whole shebang.

That's $543.8 million in bonds -- poof! -- gone.

As an added insult, the government didn't even do its creditors the courtesy of notifying them of its plans directly. Instead, it posted a note on the webpage for the Central Bank of Belize. (You check its updates daily, right?)

But lest you think this is a little amateur hour, Belize demonstrated its seriousness on Monday by skipping a $23.1 million bond payment that was due. If it doesn't make a catch-up payment within 30 days, the government will technically already be in default -- and will have nothing to lose by taking the next logical step and defaulting on all the rest of its debt.

26% Interest? Sign Me Up!

Investors who think Belize is bluffing may be enticed by the 26.3% interest its bonds are yielding today. Standard & Poor's, however, is taking the country at its word. When the default notice first appeared on the website, the debt monitor cut its rating on Belize's bonds to "CC," just a couple notches short of total default.

Even if 26% interest rates don't entice you into investing in developing world bonds, don't make the mistake of thinking that Belize's threatened default doesn't affect you at all. The fact is, while Belize has a $75 million budget deficit today, and owes moneylenders a sum totaling roughly 80% of its annual gross domestic product, a lot of countries are in similar financial straits -- or worse.

Yes, You Should Be Concerned

According to the IMF, 25 countries "boast" debt levels (as a percentage of GDP) higher than that of Belize. What's more, many of these countries are of sufficiently low profile that you might have trouble placing them on a map. (Saint Kitts and Nevis? What is that? A country or a cognac?)

But several debtors on this list are major players on the global stage. They're big enough, and important enough, that there's a good chance your 401(k), your pension plan, and many of the stocks you own have invested in their debt, or do business there -- business that's likely to suffer in the event of a sovereign default.

Take a look. See if anyone on this list concerns you:

Not Every Bug Goes "Splat!"

Now sure, topping this list is Japan. And yes, this proverbial economic "bug" in search of a windshield has consistently managed to dodge bankruptcy concerns for decades. But just one notch down from Japan is Greece, with debt of 161% of GDP -- post-default.

When Greece defaulted on its debt this year, it was basically able to dictate its terms of payment to the bankers who had bailed it out. Already, analysts are speculating that Greece's success in debt reduction by government fiat may spawn imitators in other severely indebted countries. As one investment banker in London put it recently: "Greece set a precedent for, 'Here's what you're going to get, take it or leave it."'

Now, thanks to Belize -- half a world away from Greece, and just weeks away from bankruptcy itself -- we're on notice. The risk of sovereign debt defaults spans the globe, and includes countries in far looser financial straits than Greece.

Our own United States, included.

Motley Fool contributor Rich Smith has no financial interest, short or long, in the bonds of any country named above. United States included.


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Source: http://www.dailyfinance.com/2012/08/22/which-country-goes-bankrupt-next-hint-its-not-who-you-think/

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A Million Bucks In Scholarships ? That?s Not Me Kidding around!

Surety securities are not a great investment connect, somewhat they’re a 3 get together (principal, obligee, and certainty) assure. We are going to readily illustration (using mortgage brokers) to make it easier to be aware of. Their state (obligee) the large financial company is functioning in necessitates that a certainty connect be recorded so that [...]

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Source: http://www.legaldebthelponline.com/2012/06/26/a-million-bucks-in-scholarships-thats-not-me-kidding-around/

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CHART OF THE DAY: A Look At The Falling Price Of The iPad (AAPL)

This chart comes from Business Insider Intelligence, a new research and and analysis service focused on the mobile and Internet industries. Sign up for a free trial here.

The Average Selling Price (ASP) of Apple's iPad has fallen more than $100 in the past year.

The iPad's ASP has dropped significantly since it was first introduced, which is not surprising, but it appears Apple wasn't able to produce a bump in the ASP this year by introducing a new model, the way it did last year.

The iPhone's ASP, on the other hand, has been remarkably stable since the beginning of 2009, despite Apple's introduction of lower-cost options. The disparity probably reflects the relative maturity of the smartphone market versus the tablet market, where Apple is starting to shed its near-total dominance.

chart of the day, the ipad's average selling price, august 2012

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AT&T Won?t Move My U-Verse Service Because They Can?t Find My Address

spammapsConsumerist reader Thomas has been an AT&T U-Verse customer for about four years and says that whenever there has been a problem, the service techs have been prompt and friendly. But then he decided to make the mistake of moving to a new house only a few miles away, and now he's trapped in the [...]

Source: http://consumerist.com/2012/08/att-wont-move-my-u-verse-service-because-they-cant-find-my-address.html

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Benefits of Credit Card Debt Consolidation

Consolidation Loans with Bad Credit Is debt consolidation a good solution for my credit card debts? Debtors, upon realizing that in a few years their credit cards would have accumulated thousands of dollars through interests ask the same question. Credit card purchases, in many instances are actually more expensive because of high interest rates. Someone [...]

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Source: http://www.legaldebthelponline.com/2012/06/29/benefits-of-credit-card-debt-consolidation/

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Encouraging e-Book Sales and Competitive New Services Signal Bright Prospects for Amazon

With its services supported by the Amazon cloud services, which lets consumers stream data over a wide variety of supported devices, the company holds a strategic advantage over some of its competitors.

Source: http://www.forbes.com/sites/greatspeculations/2012/08/21/encouraging-e-book-sales-and-competitive-new-services-signal-bright-prospects-for-amazon/

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