Credit Rating Factors That Everybody Must Know

Let’s be realistic. Having a quality credit rating is essential. You will need it to get access to mortgages, car loans, small business loans, and so on. In an effort to maintain a good credit rating, you should know what impacts it. This write-up critiques the important items that have an impact on your credit [...]

Source: http://www.legaldebthelponline.com/2011/11/01/credit-rating-factors-that-everybody-must-know/

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China Telecom Has Room To Run Up To $68

The mobile services and phones division accounts for the bulk of the value because of the growing subscriber base and also the emphasis placed by the company on the promotion and development of customer specific mobile applications.

Source: http://www.forbes.com/sites/greatspeculations/2011/11/03/china-telecom-has-room-to-run-up-to-68/

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Q&A: What happened to the Shared profit that 0bama and Geithner promised the tax payer if we bailed out the Autos?

Question by American Woman: What happened to the Shared profit that 0bama and Geithner promised the tax payer if we bailed out the Autos? U.S. taxpayers likely lost $ 1.3 billion in the government bailout of Chrysler, the Treasury Department announced Thursday. The government recently sold its remaining 6% stake in the company to Italian [...]

Source: http://www.legaldebthelponline.com/2011/11/03/qa-what-happened-to-the-shared-profit-that-0bama-and-geithner-promised-the-tax-payer-if-we-bailed-out-the-autos/

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Ten Things You May Not Know About James Bond's Employers


james bond

With the filming of the latest Bond movie beginning today, we've decided to uncover a few facts about the British Secret Service which may surprise you.

Created by Ian Fleming in 1952, Bond has been helping out MI6 (one branch of British intelligence) for almost 60 years now, but the agency itself has a rather lesser known history.

Understandably, the organization gives little away about itself, unwilling to say even how many people work for it. However, last year it did allow a book to be published detailing its early history from 1909 to 1949.

Some very interesting nuggets emerged.

1909 witnessed the birth of MI5 and MI6

Five years before the first world war, German spies attempted to uncover secrets about Britain's militarization plans.

The answer to stopping those pesky Germans? MI5 and MI6, of course! And so was born Britain's Secret Service Bureau which, at this time, was a joint effort from the country's War Office and Navy.

According to the organization, the new Bureau was successful in uncovering no fewer than 20 German spies before the war. While one half of the new agency sought to combat an espionage threat from abroad another looked to gather intelligence about Britain's potential enemies from abroad.

And so the two parts of the UK's Secret Service were born...MI5 and MI6.

Benito Mussolini was hired by MI5 in 1917

Yes, indeed, the founder of the Axis of Evil was given a start to his career by MI5.

Benito Mussolini worked as an agent for Britain in 1917, charged with helping to keep Italy onside during the war.

By the middle of the next decade Mussolini was a fascist dictator of his country.

"James Bond" really did exist

The Telegraph reported last year that a former naval chief, Commander Wilfred Dunderdale, worked for MI6 and identified with several episodes in Ian Fleming's novels.

Dunderdale and Fleming were reportedly acquaintances and the former admitted in later life that some of the episodes in Fleming's work were more than a little familiar to him.

Indeed, the book released last year entitled "MI6, the History of the Secret Intelligence Service" revealed that while stationed in France in the 1930s and 1940s, Dunderdale had a passion for fast cars and beautiful women. However, the paper also reported that Dunderdale lacked Bond's trademark good looks.

See the rest of the story at Business Insider

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Source: http://feedproxy.google.com/~r/businessinsider/~3/n6dkuIf16xM/james-bond-mi6-mi5-skyfall-2011-11

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The Truth About Storage Auctions: More Trash, Less Treasure

People who don't pay their rent on lockers wind up losing their belongings after a 30-day to 60-day waiting period. Storage facilities hold auctions to recoup their losses. As on Storage Wars, auctioneers don't let buyers inspect the merchandise before bidding on it. According to Colorado auctioneer Rich Schur, that's for liability reasons, so that there are no potential worries about theft. In addition, buyers must pay for their locker purchases in cash.

Many storage buyers own secondhand stores (like Schulz and Brandi Passante on Storage Wars) or auction houses (like Hester) so they have room for their merchandise. Those who don't will need to find a place to haul and store their "hidden treasures," which can create problems for buyers who don't plan ahead.

"It's a big issue," says Schur, a board member of the National Auctioneers Association who regularly conducts storage locker sales.

The Slim Odds of Striking Gold

Cleveland auctioneer Neal Grossman says that buyers have 24 hours to dispose of their items -- and failure to move them quickly means some buyers are forced to rent the lockers that they purchased. Many buyers also have more trouble than they expect unloading their merchandise on eBay (EBAY) or Craigslist. "You have to be realistic," Grossman says, adding that many lockers contain household stuff "that no one wants."

Of course, there are often valuables in these lockers, such as diamonds or sports cards, which is why buyers are eager to embark on a treasure hunt. The odds of finding a "score" are better the more lockers someone buys, which is why seasoned buyers purchase numerous units. Even so, the chances of finding a "treasure" are remote. "It's hard work," says Schur. "This is not a get-rich-quick scheme."

Experts note that the values for merchandise that are discussed on Storage Wars are theoretical and may not be what the buyers eventually sell the items for. "Some items can be sold today," Sheets says. "Some that are collectible take awhile."

As with any business, storage buyers also have to pay their share of taxes. But for the lucky few, it can be a good living. Sheets estimates that about 80% of lockers are profitable "if you know what you're selling and how to sell it."

Jason Byrge of Cleveland, who buys about 20 storage lockers a month, disputes Sheets' figure. He estimates that about 20% of his auction purchases are profitable. "Maybe California is different, but it's pretty bad in Ohio," he says, adding that he has been a storage buyer for three years. Schur, though, defended Sheets, saying his figures sounded accurate to him. "It depends on your definition of profitability," he says. "Are you going to double or triple your money? Probably not."

Storage auctions happen all the time at the 50,000 or so self-storage facilities in the U.S. There are several Internet sites that list them. Schur even wrote a primer on them.

If you're still tempted to become a buyer, Schur advises you to go to an auction in person to see what they're like. If you still want to bid, make sure that you set a limit and stick to it, something that the cast of Storage Wars has difficulty doing.

An even safer bet is to leave storage auctions to the pros. New episodes of Storage Wars will air starting Nov. 15 on A&E at 10 p.m. Eastern.

Motley Fool contributing writer Jonathan Berr doesn't own shares of any of the companies mentioned in this article. Motley Fool newsletter services have recommended buying shares of eBay.

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Source: http://www.dailyfinance.com/2011/11/03/the-truth-about-storage-auctions-more-trash-less-treasure/

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REVEALED: Obama's Playbook For Winning Reelection


Obama grey

With one year to go before the election, President Barack Obama's poll numbers are on an upswing. But this momentum alone is not enough to carry Obama to 270 Electoral Votes and another term.

We spoke with several people inside the Obama campaign and the Democratic National Committee for a preview of Obama's reelection strategy.

Put a target on Mitt Romney's back

The Obama campaign has identified Mitt Romney as its most likely challenger — and also the most serious threat — next year, and has already started trying to discredit him.

White House Senior Advisor David Plouffe attacked Romney for having "no core" on Meet the Press this week, and Press Secretary Jay Carney stood by the remarks, saying Plouffe was speaking for the White House at the time.

"You need to have a true compass, and you've got to be willing to make tough calls," Plouffe added — taking a direct shot at Romney's flip-flopping record. "And you get the sense with Mitt Romney that, you know, if he thought he — it was good to say the sky was green and the grass was blue, to win an election, he'd say it."

The Obama campaign has become Romney's worst enemy in the race for the Republican nomination with these hits — which weakens him as a general election candidate.

Blame Congress for everything

From "Pass This Bill," to "We Can't Wait," blaming Congress has become a central theme of the Obama White House — and it will remain a key component of the reelection strategy.

Congressional approval is at an all-time record low of 9 percent — making it the perfect target for Obama. He has already started to attack Congress for failing to act on his jobs bill, failing to compromise on cutting the deficit, and wasting its time on symbolic votes at the expense of the American people.

Have someone else do his dirty work

Obama won't get all that involved personally in criticizing his rivals, leaving it to Plouffe and others to do the dirty work. And even when he does take a shot at them, it will be couched in humor, so as not to tarnish what remains of his reformer image, and to the GOP's 'campaigner-in-chief' charge.

As POLITICO's Ben Smith reports, this has been a common strategy throughout his political career — and he's really good at keeping his nose clean.

Expect him to rely on third-party attacks from the Democratic National Committee, allied SuperPacs, and surrogates to take his shots.

See the rest of the story at Business Insider

Please follow Politics on Twitter and Facebook.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/krfEiw5urlQ/heres-what-we-know-about-obamas-reelection-strategy-2011-11

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Funding An LLC - 4 Facts About Raising Capital For Your LLC

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Have you been wondering about starting your own company? Are you considering an LLC? If so, how are you going to fund that entity?

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Source: http://ezinearticles.com/6664222

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Differences Between Chapter 7 and Chapter 13

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When it comes to filing bankruptcy, no two cases are the same. This is mostly because no two people are experiencing the same financial situation, which means that they also may not experience the same risks or benefits associated with a particular type of bankruptcy.

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Source: http://ezinearticles.com/6666787

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Don't Fall Into This Blank Trap

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"The blank of blank" is usually a recipe for disaster.

Quepasa (AMEX: QPSA  ) was "the Facebook of Latin America" when the stock was hitting new highs earlier this year.

Renren (NYSE: RENN  ) was "the Facebook of China" as it was going public earlier this year.

Rediff.com (Nasdaq: REDF  ) was "the Google of India" when it was trading in the double digits for the first time in more than three years back in April.

All of those syrupy claims have come undone, taking the three speculative hype-busters into the single digits.

Lackluster revenue and crummy user engagement exposed Quepasa's shortcomings. Facebook is the Facebook of Latin America. Duh! You don't get to 800 million active users if you limit yourself to the 300 million people in your home country. A Spanish version of Facebook has been available since early 2008. Even if there was no Facebook, Telefonica's Tuenti and Google's (Nasdaq: GOOG  ) Orkut are far more ubiquitous than Quepasa through Latin America.  

Renren is the top dog in social networking in China, but that's a tenuous distinction. We don't know how social the Chinese government will let social networks become in the world's most populous nation. Either way, it was preposterous to think that Renren could get away with going public commanding a $5.6 billion market cap. That's not the right price for a profitless company with a mere $76.5 million in revenue last year.

Then there's Rediff.

Getting more Bangalore for your buck
Rediff investors would like to think that they're getting in at the bottom. India is the world's second most populous nation, and the country realizes that it needs to beef up its connectivity efforts to get more of the country online.

Who can resist the Google of India?

Well, a lot of people can pass on Rediff, especially once they catch a glimpse of its numbers.

Rediff posted another uninspiring quarterly report on Friday. Revenue climbed a mere 1% to $5.1 million during the third quarter. You know things are bad when the company's bottom line isn't addressed once in the eight descriptive paragraphs of the press release. The income statement at the bottom reveals that Rediff's quarterly deficit has widened from $1.6 million to $2.6 million.

Rediff is always good at spinning yarn. Its press release plays up recent initiatives including a new micro-blogging website, hopping on the Groupon bandwagon with daily deals, and a push into local television advertising.

Strip away all of the noise and you have the same company that investors have had for a couple of years: Rediff is a profitless company generating an average of less than $2 million a month in revenue.

Rediff isn't the Google of India. Google is the Google of India.

According to traffic tracker Alexa.com, Rediff is the 10th most popular website in India, lagging sites including Google, Facebook, and LinkedIn.

Show me the rupees
Rediff's lack of monetization is a bigger problem than the portal's market-share position. India travel specialist MakeMyTrip (Nasdaq: MMYT  ) is the only other Indian dot-com pure play trading in this country.

Revenue climbed 54% to $52 million in its latest quarter. Anyone claiming that Rediff needs India's Draft National Telecom Policy to kick in before the country begins seeing material cyberspace growth should be asking why a travel portal is generating 10 times the revenue as the fledgling Rediff portal. A better question may be why Rediff was generating more revenue three years ago.

Clearly there is a widening gap between the perceived potential of this story stock and the reality that meanders on the other side.

Fill in the blanks
There are exceptions to the "blank of blank" trap. Marketplace maven Mercadolibre (Nasdaq: MELI  ) really is the eBay of Latin America. Baidu (Nasdaq: BIDU  ) has been "the Google of China" since going public six years ago. It has been on the market's biggest winners in that time.

The key in separating the hype from the storybook endings rests in authenticity. Baidu really is the top dog in China when it comes to search. Mercadolibre really is a powerhouse of e-commerce through most of Latin America.

This doesn't mean you have to be the gold medalist to make money. India's market will have room for more than a single winner as broadband connectivity improves. However, until Rediff shows signs of dramatically growing its revenue or rounding the corner of profitability there's no point in reading any further into this story stock.

If you want to follow India's Internet companies, consider tracking Rediff.com and MakeMyTrip through My Watchlist.

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Source: http://feeds.fool.com/~r/usmf/foolwatch/~3/s6qUkSkwjNk/dont-fall-into-this-blank-trap.aspx

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