Here's The Full Text Of Paul Ryan's V.P. Acceptance Speech

Wisconsin Congressman Paul Ryan took the stage on the USS Wisconsin in Norfolk, Va., this morning, making his first appearance as the 2012 Republican candidate for vice president. 

Ryan gave an impassioned speech that laid out his case to American voters, outlining a new message for the Romney ticket. Here's the full text of the speech, courtesy of the campaign: 

Thank you Governor Romney, Ann.  I am deeply honored and excited to join you as your running mate.

Mitt Romney is a leader with the skills, the background and the character that our country needs at a crucial time in its history. Following four years of failed leadership, the hopes of our country, which have inspired the world, are growing dim; and they need someone to revive them. Governor Romney is the man for this moment; and he and I share one commitment: we will restore the dreams and greatness of this country.

I want you to meet my family.  My wife Janna, our daughter Liza, and our sons, Charlie and Sam.

I am surrounded by the people I love, and I have been asked by Governor Romney to serve the country I love.

Janesville, Wisconsin is where I was born and raised, and I never really left it. It’s our home now.

For the last 14 years, I have proudly represented Wisconsin in Congress.  There, I have focused on solving the problems that confront our country, and turning ideas into action; and action into solutions.  

I am committed, in heart and mind, to putting that experience to work in a Romney Administration. This is a crucial moment in the life of our nation; and it is absolutely vital that we select the right man to lead America back to prosperity and greatness.

That man is standing next to me. His name is Mitt Romney. And he will be the next president of the United States

My dad died when I was young. He was a good and decent man. I still remember a couple of things he would say that have really stuck with me.  "Son you are either part of the problem or part of the solution."  

Regrettably, President Obama has become part of the problem,...and Mitt Romney is the solution.

The other thing my dad would say is that every generation of Americans leaves their children better off. That's the American legacy.

Sadly, for the first time in our history, we are on a path which will undo that legacy. That is why we need new leadership to become part of the solution – new leadership to restore prosperity, economic growth, and jobs.

It is our duty to save the American Dream for our children, and theirs.

And I believe there is no person in America who is better prepared – because of his experience; because of the principles he holds; and because of his achievements and excellence in so many different arenas – to lead America at this point in its history.

Let me say a word about the man Mitt Romney will replace. No one disputes President Obama inherited a difficult situation.  And, in his first 2 years, with his party in complete control of Washington, he passed nearly every item on his agenda.  But that didn’t make things better. 

In fact, we find ourselves in a nation facing debt, doubt and despair.

  • This is the worst economic recovery in 70 years. Unemployment has been above 8 percent for more than three years, the longest run since the Great Depression. Families are hurting.
  • We have the largest deficits and the biggest federal government since WWII. 
  • Nearly 1 out of 6 Americans are in poverty--the worst rate in a generation.  Moms and dads are struggling to make ends meet.
  • Household incomes have dropped by more than $4,000 over the past four years.

Whatever the explanations, whatever the excuses, this is a record of failure.

President Obama, and too many like him in Washington, have refused to make difficult decisions because they are more worried about their next election than they are about the next generation. We might have been able to get away with that before, but not now. We’re in a different, and dangerous, moment. We're running out of time -- and we can't afford 4 more years of this.

Politicians from both parties have made empty promises which will soon become broken promises--with painful consequences--if we fail to act now.

I represent a part of America that includes inner cities, rural areas, suburbs and factory towns.  Over the years I have seen and heard from a lot from families, from those running small businesses, and from people who are in need.  But what I have heard lately troubles me the most.  There is something different in their voice and in their words. What I hear from them are diminished dreams, lowered expectations, uncertain futures.

I hear some people say that this is just "the new normal." High unemployment, declining incomes and crushing debt is not a new normal.  It's the result of misguided policies.  And next January, our economy will begin a comeback with the Romney Plan for a Stronger Middle Class that will lead to more jobs and more take home pay for working Americans.

America is on the wrong track; but Mitt Romney and I will take the right steps, in the right time, to get us back on the right track!

I believe my record of getting things done in Congress will be a very helpful complement to Governor Romney’s executive and private sector success outside Washington. I have worked closely with Republicans as well as Democrats to advance an agenda of economic growth, fiscal discipline, and job creation.

I’m proud to stand with a man who understands what it takes to foster job creation in our economy, someone who knows from experience, that if you have a small business—you did build that. 

At Bain Capital, he launched new businesses and he turned around failing ones – companies like Staples, Bright Horizons and Sports Authority, just to name a few. Mitt Romney created jobs and showed he knows how a free economy works.

At the Olympics, he took a failing enterprise and made it the pride of our entire nation.

As governor of Massachusetts, he worked with Democrats and Republicans to balance budgets with no tax increases, lower unemployment, increase income and improve people’s lives.

In all of these things, Mitt Romney has shown himself to be a man of achievement, excellence and integrity.

Janna and I tell Liza, Charlie and Sam that America is a place where, if you work hard and play by the rules, you can get ahead.

We Americans look at one another's success with pride, not resentment, because we know, as more Americans work hard, take risks, and succeed, more people will prosper, our communities will benefit, and individual lives will be improved and uplifted.

But America is more than just a place...it's an idea.  It's the only country founded on an idea.  Our rights come from nature and God, not government.  We promise equal opportunity, not equal outcomes.

This idea is founded on the principles of liberty, freedom, free enterprise, self-determination and government by consent of the governed.  

This idea is under assault.  So, we have a critical decision to make as a nation.

We are on an unsustainable path that is robbing America of our freedom and security. It doesn't have to be this way.

The commitment Mitt Romney and I make to you is this:

We won't duck the tough issues...we will lead!

We won't blame others...we will take responsibility! 

We won't replace our founding principles...we will reapply them! 

We will honor you, our fellow citizens, by giving you the right and opportunity to make the choice: 

  • What kind of country do we want to have?
  • What kind of people do we want to be?

We can turn this thing around.  Real solutions can be delivered.  But, it will take leadership.  And the courage to tell you the truth.

Mitt Romney is this kind of leader.  I'm excited for what lies ahead and I'm thrilled to be a part of America's Comeback Team. And together, we will unite America and get this done. 

Thank you.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/ADoLMtcp0Wc/paul-ryan-romney-vp-speech-vice-president-2012-8

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Build Credit Without Credit: Your Top 3 Questions Answered

Some people seem to believe that the credit score is almost as important as oxygen and water. Most of that stems from the fact that we?ve been beaten over the head with the importance of the credit score since we first learned the difference between a $10 bill and a $5 bill.

But it?s simply not true. Can you really live without a credit score? Absolutely?and it?s actually easier than you?d think. It just takes some foresight, planning and maybe a little patience.

The credit score myth is tangled up in almost every part of our financial lives, but there are a few areas that seem to come up over and over again. So, here are the top three questions we get about how to live without a credit score:

How do I rent an apartment?

Most apartments will work with you if you can provide first and last month?s rent, as well as a security deposit. Ask them up front about their process and what type of information they?ll need. If they want a credit score and you don?t have one, simply tell them that you?ve never gone into debt and you use cash. Get a rental history referral from your previous landlord. If it?s your first time renting, you might have to look around for a little bit. But you?ll be able to find someone to work with you.

How do I take out a mortgage?

If you don?t have a credit score, you should focus on one thing?making sure you have a large down payment. If you?ve never gone into debt, that shouldn?t be too difficult, right? Without a credit score, the down payment, as well as your job and how long you?ve been employed in that line of work, are big factors.

You?ll also want an outstanding history of rental and utility payments. Look for a mortgage company that uses a process called manual underwriting, sometimes called ?non-traditional credit? or ?no credit score? lending. And whatever you do, don?t buy a house until you?re ready. That means you?re out of debt, you have a 3?6-month emergency fund, and you have a good down payment. Of course, you could always just pay cash for a house!

What if an employer wants to see my credit score during the interview process?

This is a growing trend, but it mainly affects people in the financial industry?banks, mortgage brokers, investment companies and so on. Again, the key here is to learn their process up front and explain why you don?t have a credit score if they ask you about it.

Remember, these answers only apply if you have no credit score. If you have a bad credit score, that?s a different situation entirely.

For renting, offer to put an extra month down if you are getting resistance from the property manager because of a bad score. For a mortgage, be patient, rent for a while, and save up even more to put into a down payment.

Our culture will tell you otherwise, but it is possible to live without a credit score. Sure, sometimes it might be annoying because of the way so many people have become addicted to the credit score. But seriously, it will never be as annoying as having a huge pile of debt!

Tired of putting up with FICO? Have you considered how different your life story could be without it? Check out these stories from people like you who are changing their lives by making the decision to live without debt!

How are you proving your financial credibility without utilizing debt? Tell us your experiences with the situations mentioned above.

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Source: http://www.daveramsey.com/article/build-credit-without-credit/lifeandmoney_creditcards

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Net Worth Worries: Why You Shouldn't Sweat It

Content provided by mytotalmoneymakeover.com.

Don?t sweat the net (worth).

A new report by the Federal Reserve said that the recent financial crisis left the 2010 median American family (richer than half the country and poorer than the other half) with no more wealth than they had in the early 1990s. The report is based on data collected in 2010.

In 2007, the net worth of the median family was $126,400. In 2010, it decreased to $77,300. As you can imagine, three-quarters of that loss was due to the housing crash.

But, as previously stated, don?t sweat it. Why, you may ask?

Two reasons. The first is that money ebbs and flows. The market slide in 2008 lowered the value of nearly every stock market investment, but since then, the S&P 500 has basically doubled from its low point. Investors with a long-term view have seen their investments increase in value as well. That?s the way the stock market has always worked. Some years it?s up and some years it?s down. But the long-term trend shows that good, profitable American companies are going to do well.

Second, while net worth is important, it doesn?t have to be going up all the time. It?s like when you own a house. If you want to make money, the house needs to be more valuable only when you sell it. The value can go up and down like a yo-yo for 14 straight years. As long as it?s up in year 15 when you put in on the market, you come out ahead.

And there?s actually one more point to hit on: Consumer spending has increased dramatically from 20 years ago. In 1992, the average credit card debt was $2,991. By 2010, it was almost $6,500. If the typical household hasn?t seen a net worth increase, it?s most likely because they?ve been spending money they don?t have on things that go down in value.

In any economy, it?s inevitable that there with be occasional rough market conditions that cause investments or house values to drop, taking net worths with them. When people don?t curb their spending, debt either stays the same or increases, and you end up with a report like this one.

When you stay away from debt and invest consistently, your net worth doesn?t have as much volatility. It may sway with the market, but you won?t look at your net worth from 20 years ago versus now and wonder where all the money went. Sound good?

A budget is the key to nailing down areas where you can save money, invest and get out of debt. We can walk you through that step-by-step with a 7-day Free Trial to My Total Money Makeover. Sign up today!

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Source: http://www.daveramsey.com/article/net-worth-worries/lifeandmoney_saving

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The Cost Of Debt Consolidation

Best Credit Card Consolidation Companies Opting for a debt consolidation can be a great solution if you are looking for a way to settle your debts, get lower monthly payments or maybe low interest rates. Don’t just sign any documents without reading and understanding the terms. Be sure you have read every clause and you [...]

The post The Cost Of Debt Consolidation appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/06/30/the-cost-of-debt-consolidation/

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AMC Teases Dish Customers With Stream Of ?Hell On Wheels? Season Premiere

dishhellonwheelsIt's been almost six weeks since Dish Network severed ties with AMC since, at least according to the Dish CEO, its subscribers all live on Green Acres and want no part of city folks' high-falutin' TV dramas. But AMC apparently thinks that some Dish customers, regardless of where they live, might actually want to watch [...]

Source: http://consumerist.com/2012/08/amc-teases-dish-customers-with-stream-of-hell-on-wheels-season-premiere.html

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Report: Apple Store Employees Now Allowed To Price-Match iPhones

applestoreglassglassglassThe worst kept secret in telephony is that there is a new Apple iPhone coming in the fall. Thus, some of the big box retailers that offer the current version of the device are starting to offer discounts to clear inventory. Apple stores are not advertising any such price drops, but a new report claims [...]

Source: http://consumerist.com/2012/08/report-apple-store-employees-now-allowed-to-price-match-iphones.html

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Dow and S&P Expected to Fall on Open

LONDON -- The Dow Jones Industrial Average (INDEX: ^DJI  ) and the S&P 500 (INDEX: ^GSPC  ) are expected to open lower this morning, according to futures markets, as weak data from China heightens investors' fears of a greater slowdown.

Today's economic data kicks off with the USDA Crop Report at 8:30 a.m. EDT. Traders expect bad news on the drought-stricken corn crop, which has driven up corn prices to near-record highs in recent days. Also due at 8:30 a.m. EDT is the import price index for June, which is expected to show that import prices rose by 0.1% in June after falling 2.7% in May. Finally, July's Federal budget report is due at 2 p.m. EDT, with a big increase expected on last July's $60 billion deficit.

In company news, J. C. Penney (NYSE: JCP  ) was among the first companies to report results this morning, releasing its bad news well before markets opened. It reported a loss of $0.67 per share following a 21.7% drop in same-store sales -- considerably worse than analysts' expectations. Shares in the company are lower in premarket trading and are likely to be heavily traded when markets open.

China concerns
Fears of a Chinese slowdown continue to dominate the headlines today after new figures showed that Chinese exports rose by just 1% in July compared with July 2011, much lower than the forecast 5% increase. Imports were also disappointing, with imports growing by 4.7% in July against expectations for 6.3%.

Now there is growing speculation over when the Chinese government will initiate its next round of stimulus activity, with expectations mounting that a move is imminent. Indeed, traders report that such optimism is helping to sustain markets at their current levels.

European markets
European markets were generally slightly lower this morning, as low volumes persisted and the latest Chinese figures affected trading. At 7 a.m. EDT, the DAX was down 0.6%, the CAC was down 0.9%, the FTSE MIB was 0.6% lower, and the IBEX was down by 1.1%.

In London, the FTSE 100 (INDEX: ^FTSE  ) was down by 0.3%. Shares in financial and mining companies weighed down the index despite a 3.4% gain from Barclays, which confirmed it has appointed an experienced new chairman, Sir David Walker, to replace the outgoing chairman, Marcus Agius.

Legendary investor Warren Buffett doesn't own shares in Barclays, but the world's third-richest man recently invested more than $1 billion in a major FTSE 100 company. Buffett bought a famous British name with global expansion potential -- and you can discover the identity of the company and the price he paid in this special exclusive report. Best of all, the report is free -- so download it today while it's still available.

Are you looking to profit from this uncertain economy? "10 Steps To Making A Million In The Market" is The Motley Fool's latest report. We urge you to read it today -- your wealth could be transformed. Click here now to request your free, no-obligation copy. The Motley Fool is helping Britain invest. Better.

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Source: http://www.fool.com/investing/international/2012/08/10/dow-and-sp-expected-to-fall-on-open.aspx

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Things Should Be Aware Of With Regards To Debt Consolidation Reduction Lending Options

At this time, most of us inhabit a good fast-paced, high-technology environment where all sorts of things comes and goes when rapid as being a blink of total eye. Right from e-mails that will messengers that will cards, these items realestatehomesbcseem to be whatever you call now when necessities. Even now, we quite often lose [...]

The post Things Should Be Aware Of With Regards To Debt Consolidation Reduction Lending Options appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/07/02/things-should-be-aware-of-with-regards-to-debt-consolidation-reduction-lending-options/

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Big Pharma Gets Nervous As India Contemplates Regulating Patented Drug Prices

While the move is at a preliminary stage, it could affect the pharmaceutical majors including Pfizer, Merck, Johnson & Johnson and Abbott Labs, which have been eying the emerging markets to offset the weakness in European and the U.S. markets.

Source: http://www.forbes.com/sites/greatspeculations/2012/08/09/big-pharma-gets-nervous-as-india-contemplates-regulating-patented-drug-prices/

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