Right after Bankruptcy: Credit-Building Misconceptions

Soon after filing individual bankruptcy, most of your emphasis could possibly be in order to restore your credit history. All things considered, you will know although individual bankruptcy is really a dark tag on your own credit file, it is not a new passing away phrase for the financial situation: individual bankruptcy can be on [...]

Source: http://www.legaldebthelponline.com/2011/11/13/right-after-bankruptcy-credit-building-misconceptions/

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The Italians And The Greeks Look A Little Like The Americans

The crisis faced by the Italians and the Greeks seems far away. After all, these sunny places always had shady finances. The cause of their problems now is too much debt. On that point, you may be surprised to find out that there is not much difference between Greeks, Italians and Americans.

Source: http://www.forbes.com/sites/greatspeculations/2011/11/11/the-italian-and-the-greeks-look-a-little-like-the-americans/

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Right after Bankruptcy: Credit-Building Misconceptions

Soon after filing individual bankruptcy, most of your emphasis could possibly be in order to restore your credit history. All things considered, you will know although individual bankruptcy is really a dark tag on your own credit file, it is not a new passing away phrase for the financial situation: individual bankruptcy can be on [...]

Source: http://www.legaldebthelponline.com/2011/11/13/right-after-bankruptcy-credit-building-misconceptions/

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Perry's Support Collapses After Gaffe, Cain Scandal Raises Doubts


Rick Perry Debate

NBC News/Wall Street Journal re-interviewed nearly half of its Republican sample from its poll released earlier this month, showing significant drop-off for Rick Perry and Herman Cain.

The initial poll, conducted from November 2-5, showed Cain and Mitt Romney in a statistical tie for the lead, but in the re-interview, the former Massachusetts governor regains the lead. Romney is up to 32 percent from 27 percent, while Cain dropped a point to 27 percent.

But concern over the sexual harassment scandals surrounding Cain doubled between the two surveys — after Sharon Bialek came forward alleging that she was groped by him in 1997. Nearly 30 percent of Republican voters surveyed now have  “a great deal” or “quite a bit” of concern about Cain.

Support for former Speaker of the House Newt Gingrich increased from 17 percent to 22 percent in the new survey.

Perry, who polled at eight percent before he forgot the third Cabinet agency he wishes to gut, now is at four percent.

Read the full poll results here >

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Source: http://feedproxy.google.com/~r/businessinsider/~3/vXPHRLhhqdQ/perrys-support-collapses-after-gaffe-cain-scandal-raises-doubts-2011-11

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Detroit May Benefit From More Bad Luck For Japan

Both Toyota and Honda have withdrawn their sales and earnings guidance for the year to March until they are able to assess the impact of the Thailand's floods on supply.

Source: http://www.forbes.com/sites/greatspeculations/2011/11/11/detroit-may-benefit-from-more-bad-luck-for-japan/

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Kill Your Excuses Before They Kill You

By Jon Acuff

A few weeks ago, I sat next to two sisters in their 60s on a flight. They were flying back from a trip together. They instantly made me laugh by asking me, ?Do you mind if we eat our breakfast?? at which point they pulled out massive barbecue sandwiches.

I told them it was 8 p.m. and most people wouldn?t have described barbecue as breakfast. They just smiled and said, ?Oh honey,? as if I?d said the silliest thing. But as we started talking, they ended up asking me a really difficult question.

In the middle of the flight, after telling them what I did for a living, I gave them a copy of my book Quitter. They read the back cover and the description. Then, one of the sisters got deathly solemn and leaned over to me. Somewhere 30,000 feet above Dallas, she asked me this:

?What do you do when all your excuses for not pursuing your dream are gone? Your kids are out of the house, you?re retired, you?re not too busy, and suddenly you can?t make those same excuses anymore? What do you do then??

I didn?t have an easy answer for her. When I wrote Quitter, I thought a certain age group would like it. But I wasn't thinking about retirees that much. I missed a simple truth about life.

We all make excuses why we?re not pursuing the things we feel called to do. That?s not limited to a certain age group or generation.

We all have too many other obligations.

We're all too busy.

We?ve got to make the right amount of money first.

We can?t get started until later.

But the problem is that, someday, we?ll all come to a place where the excuses don?t work anymore. Eventually, our excuses disappear like they did for the sisters on the plane, and we?re left with the difficult question of ?What now??

Excuses will kill us if given the chance. They will climb aboard our backs and walk us into the grave, without us ever knowing what might have been.

Or, we will call them what they are: foes not friends. We will label them as enemies and fight them. We'll we confess we have them so that we can drag them into the light and kill them, long before they kill us.

I don?t know what your excuses are for not starting your dream, but I know two sisters in their 60s who are not going to walk into their 80s with the same excuses. They read 80 pages of Quitter on the plane. And when we landed, they said, ?You wrote my story! This is my story! I know three of my friends I am going to give this to!?

I immediately said, ?You?re right. If there?s one thing I know, it?s how it feels to be a retired African-American grandmother.? I think that might be what I said, but to be honest I was too distracted thinking about you and me.

I don?t want us to wait until we?re 60 to deal with our excuses.

I want us to kill them before they kill us, which is why we?re holding another Quitter Conference in Nashville on February 10-11, 2012. This two-day conference is designed to equip you to chase your dreams in the best possible way and will help you answer questions like:

  1. What is my dream?
  2. How do I avoid the common pitfalls that wreck most dreams before they even begin?
  3. Where do I find more of the most limited?but most critical?resource, time?
  4. How do I fall in like with my day job, as I work toward my dream job?

Whether you?re unemployed right now, stuck in a job you don?t love, or just curious about growing your dream job in 2012, this weekend is for you.

It?s time to kill your excuses. And, for two days, hundreds of dream chasers from all walks of life will do just that.

I hope you?ll join us.

Jon Acuff is the founder of stuffchristianslike.net and the author of the book Stuff Christians Like. His insight into everything from church, to advertising, to money, to life is as funny as it is true. In the last 12 years, he?s written branding for companies such as The Home Depot, Chick-fil-A, Staples, Bose and many others. He?s a contributor to CNN.com , speaks nationally on the subject of social media, and joined the Dave Ramsey team in 2010. He lives with his wife and two daughters in Nashville, Tennessee.

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Source: http://www.daveramsey.com/article/kill-your-excuses-before-they-kill-you/lifeandmoney_career

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NEUROSCIENCE: Stock Market Correlations Aren't As High As You Think


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In recent months, much has been made about elevated correlations in the stock markets. Everything seems to go up and down in tandem.  This has been a nightmare for investors trying to diversify their portfolios.

However, correlations have actually been receding lately, reports the Wall Street Journal's Jason Zweig. But it sure doesn't feel like it, given the recent market volatility.

Zweig explains:

Why, then, have the markets felt as if they were all glued together? A recent study by a team of neuroscientists may offer a partial answer.

Calculating correlations might seem like a task that could be carried out only in the most "rational" areas of the brain. But it turns out that humans process relationships among variables in a region of the brain called the insula, which processes visceral reactions like disgust and pain. The study also suggests that people learn best about correlation by focusing on long-term trends or sequences, rather than on isolated, salient events.

Thus, a handful of data points like the market moves of the past few days can distort our impressions of how correlated the world's financial assets have become. Only by comparing today's correlations with those of the past can you realize they are no higher than they have been for much of the last few years.

For more, Here Are 7 Ways Your Brain Makes You A Terrible Investor.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/hhmVUX-YzSs/actually-correlations-arent-as-high-as-you-think-2011-11

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