Debt Settlement Relief ? Get Past Unemployment and Eliminate Unsecured Debt
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Source: http://www.forbes.com/sites/greatspeculations/2011/11/30/alcoa-comes-alive-stock-worth-16/
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If ever there was someone tailor-made to carry Dave Ramsey?s message of financial peace to the Hispanic community, it?s Andres Gutierrez. With his new radio show, he?s now able to spread hope on a whole new level!
Like Dave, Andres has a knack for capturing an audience?s attention. But, more than that, Andres shares Dave?s passion for providing financial hope to people who are struggling with money and want to save for the future.
The Hispanic population, with more than 50 million people, now represents the largest minority in the United States. Their spending power exceeded $1 trillion in 2010. That?s a lot of money!
?With that type of purchasing power, you would think they would be winning with money,? Andres says. But the reality is shocking. ?The average net worth of Hispanics is only 9% of the average net worth of non-Hispanics?in other words, they are broke.
?They are spending $50 a month on a TV, $80 a month on a bunch of furniture and $400 a month on the car. Before they know it, they are spending more than they make. So there?s no savings. There?s no money for retirement, no money for college savings. There?s not even an emergency fund.?
In reality, Andres says, the Hispanic population in America is not much different than anyone else when it comes to money. ?They know what to do with their money; they just don?t do it. They have bought into the marketing that says if you want something, you should put it on a credit card instead of saving in order to buy it.?
Before joining Dave?s team, Andres worked as one of Dave?s most successful Endorsed Local Providers (ELPs) in San Antonio, Texas. With the heart of a teacher, Andres has been helping people with their money for more than 10 years.
?As one of Dave?s ELPs, I was able to help people make a plan for their money and get out of debt,? Andres says. ?Not only have I held all the insurance and investment licenses, but I also have the real-life experience of knowing what it takes to become and live debt free.?
Having grown up in a household where debt was not an option, Andres learned at an early age that if you don?t have the cash, you don?t buy it. But when he went to college, things changed.
?I quickly fell into the lies that having debt was normal. I opened up credit cards and took out student loans. My wife and I continued this pattern of using credit cards, and our debt piled up quickly,? he says.
?But, in 2003, we went to Dave Ramsey?s Total Money Makeover LIVE! event, and we decided that we didn?t want to live a life of payments anymore. We got on a plan, followed the Baby Steps, and now have paid off all of our debt, except for the house. And we?re knocking that out now!?
These changes not only helped him financially, but they also improved communication in his marriage. ?To this day, we sit down every month and have a budget committee meeting. If something changes or one of us needs to make an unexpected purchase over a certain amount, we come back to the table and discuss how it will affect our budget.?
Andres wants to bring that same type of transformation to the Hispanic community. At his live events and in his DVD series Paz Financiera, he teaches common-sense financial principles that empower Hispanics to win with money, once and for all.
?By breaking down the principles and teaching people, step by step, how to apply these principles in everyday life, we are able to help them change their financial future and their family tree.?
Andres hosts a talk radio show, El Show de Andres Gutierrez, where he tells it like it is and teaches people to win with money. His passion and direct way of communicating has earned him the nickname "El Machete." Listen to Andres for yourself and find out why! The show is being broadcast on stations across the country at various times. You can listen live online Monday through Friday from 11am to 12pm EST at andresgutierrez.com.
Source: http://www.daveramsey.com/article/gutierrez-taking-hope-to-the-hispanic-community/lifeandmoney_other
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I'll go out on a limb and predict that there's a home improvement project that you've been burning to do.
Whether it's a matter of finally giving your kitchen the granite countertops that you've always wanted, resurfacing your scratched-up swimming pool, or converting your garage into a home theater, nearly every homeowner is itching for makeover.
Unfortunately, there are just too many obstacles in the way.
It isn't easy out there.
Signs of Life
Before I depress you to the point of getting those moving boxes out of the garage, let's go over some of the more encouraging developments that have materialized in recent weeks.
Trex (TREX) is the leading maker of wood-alternative decks. As you can imagine, there hasn't been a whole lot of demand for Trex's high-end weatherproof planks and patio fixtures. However, after checking with its distributors, Trex is forecasting 25% sales growth during next year's first quarter, with "significant" growth for all of 2012.
Lumber Liquidators (LL), the leading retailer dedicated to hardwood planks, posted better than expected earnings in its latest quarter. That's the first time that Lumber Liquidators has landed ahead of the pros in a year.
Earlier this week, Home Depot (HD) and Lowe's (LOW) posted better than expected bottom-line results. Home Depot's report was particularly encouraging. The leading home improvement retailer posted a healthy 4.2% increase in same-store sales, fueled by a 1.2% increase in traffic and a 3% spike in average transaction. In other words, Home Depot is attracting more shoppers and they're spending more.
Home Depot has been outperforming rival Lowe's for some time, but both superstore operators are clearly improving.
Signs of Caution
It's important to remember that Hurricane Irene pounding the northeast helped drum up visits to Home Depot and Lowe's during the period. Investors may want to wait for the current quarter to play itself out to get a fairer picture of consumer demand for home improvement gear.
There's also the grim reality that no one -- and I mean no one -- knows when real estate prices will truly bottom out. In other words, it's probably best to approach a home improvement project in terms of your own enjoyment of the upgrade -- and not for the delusional sake of pumping more value into your home.
In fact, experts agree that most makeover projects will not add their full tab to the value of your home. Some investments -- such as adding a pool or tearing down a wall to combine two smaller rooms into a single larger space -- may even limit your home's resale appeal. It also goes without saying that time may also diminish the value of your add-on. A shiny new wood deck may not look so great in five years. Today's trendy bedroom paint themes or kitchen touches may not be so fashionable tomorrow.
Extreme Makeover: Your Edition
Let's get back to your dream home improvement project. Can you afford it? If you can't, hold on to that dream a little longer. If you can, make sure that your debt and mortgage situation won't lead to creditors taking over your spruced-up digs.
If you're still up for going through with the project, you'll probably find no shortage of specialists willing to work for the limited jobs that are out there if you don't want to take it on yourself.
There certainly are some signs that the skies are getting a little clearer, but don't take optimistic Trex distributors and a potentially storm-padded quarter at Home Depot as definitive signs that the coast is clear. The right time to finally tackle that project that's been gnawing away at you is when you have the means to make it happen and the comfort level to make sure that you can enjoy it.
Longtime Motley Fool contributor Rick Munarriz does not own shares in any of the stocks in this article. The Motley Fool owns shares of Lumber Liquidators Holdings. Motley Fool newsletter services have recommended buying shares of Lowe's, The Home Depot, and Lumber Liquidators Holdings. Motley Fool newsletter services have recommended writing covered calls in Lowe's.
Source: http://www.dailyfinance.com/2011/11/30/is-it-time-to-revive-your-big-home-improvement-plan/
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If ever there was someone tailor-made to carry Dave Ramsey?s message of financial peace to the Hispanic community, it?s Andres Gutierrez. With his new radio show, he?s now able to spread hope on a whole new level!
Like Dave, Andres has a knack for capturing an audience?s attention. But, more than that, Andres shares Dave?s passion for providing financial hope to people who are struggling with money and want to save for the future.
The Hispanic population, with more than 50 million people, now represents the largest minority in the United States. Their spending power exceeded $1 trillion in 2010. That?s a lot of money!
?With that type of purchasing power, you would think they would be winning with money,? Andres says. But the reality is shocking. ?The average net worth of Hispanics is only 9% of the average net worth of non-Hispanics?in other words, they are broke.
?They are spending $50 a month on a TV, $80 a month on a bunch of furniture and $400 a month on the car. Before they know it, they are spending more than they make. So there?s no savings. There?s no money for retirement, no money for college savings. There?s not even an emergency fund.?
In reality, Andres says, the Hispanic population in America is not much different than anyone else when it comes to money. ?They know what to do with their money; they just don?t do it. They have bought into the marketing that says if you want something, you should put it on a credit card instead of saving in order to buy it.?
Before joining Dave?s team, Andres worked as one of Dave?s most successful Endorsed Local Providers (ELPs) in San Antonio, Texas. With the heart of a teacher, Andres has been helping people with their money for more than 10 years.
?As one of Dave?s ELPs, I was able to help people make a plan for their money and get out of debt,? Andres says. ?Not only have I held all the insurance and investment licenses, but I also have the real-life experience of knowing what it takes to become and live debt free.?
Having grown up in a household where debt was not an option, Andres learned at an early age that if you don?t have the cash, you don?t buy it. But when he went to college, things changed.
?I quickly fell into the lies that having debt was normal. I opened up credit cards and took out student loans. My wife and I continued this pattern of using credit cards, and our debt piled up quickly,? he says.
?But, in 2003, we went to Dave Ramsey?s Total Money Makeover LIVE! event, and we decided that we didn?t want to live a life of payments anymore. We got on a plan, followed the Baby Steps, and now have paid off all of our debt, except for the house. And we?re knocking that out now!?
These changes not only helped him financially, but they also improved communication in his marriage. ?To this day, we sit down every month and have a budget committee meeting. If something changes or one of us needs to make an unexpected purchase over a certain amount, we come back to the table and discuss how it will affect our budget.?
Andres wants to bring that same type of transformation to the Hispanic community. At his live events and in his DVD series Paz Financiera, he teaches common-sense financial principles that empower Hispanics to win with money, once and for all.
?By breaking down the principles and teaching people, step by step, how to apply these principles in everyday life, we are able to help them change their financial future and their family tree.?
Andres hosts a talk radio show, El Show de Andres Gutierrez, where he tells it like it is and teaches people to win with money. His passion and direct way of communicating has earned him the nickname "El Machete." Listen to Andres for yourself and find out why! The show is being broadcast on stations across the country at various times. You can listen live online Monday through Friday from 11am to 12pm EST at andresgutierrez.com.
Source: http://www.daveramsey.com/article/gutierrez-taking-hope-to-the-hispanic-community/lifeandmoney_other
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It's been a while since we heard from 50 Cent.
"Before I Self-Destruct," his last studio album in 2009, was a sales and critical disappointment. It also marked his last release for Interscope Records, and it looks like 50's just about back.
The man who was born Curtis Jackson — and now appears to be going by Curtis — dropped a song today off of his upcoming mixtape, "The Big 10."
Called "Stop Crying," the track has a positively evil beat and sounds like a return to form for Curtis/50, highlighted by a strong start to proceedings: "They say they do it like I do it with no mask on."
What's most interesting about the "Stop Crying," though, is that it marks a return to mixtapes for the highly commercial rapper. Ostensibly meant to celebrate the 10-year anniversary of 50's landmark "50 Cent is the Future," "The Big 10" marks his first official collection of music in two years. Yet, he won't sell it.
Whether this can be seen as a comment on his label situation, the music's quality or a change in Curtis' commercial viability, the mixtape will be one of the most visible free releases of the year when it eventually drops.
Unless, of course, he does sell it, in which case, it isn't a mixtape.
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Source: http://feedproxy.google.com/~r/businessinsider/~3/bjl6k4IrRkQ/50-cent-mixtape-2011-11
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Many people have faced financial hardships over the course of their lives, where some overcome them, and others simply fall victim to the difficulties that lie ahead. Avoiding bankruptcy with debt consolidation is one way out of financial difficulties, something that wasn't always available to consumers, but is now, and has been for some time. Debt consolidation is the opportunity presented to consumers who have to deal with overwhelming debt, when they cannot make ends meet.Source: http://ezinearticles.com/6689434
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