Personal Debt Consolidation Loans: How To Acquire The Best Info

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Sometime in our lives we tend to face financial difficulties. This is mainly due to the fact that we all have limited incomes, but expenses may crop up unexpectedly. Urgent medical care is one such case. There are also cases where people prefer to satisfy their wishes by resorting to a loan, be it to buy a new car, make home renovations or take a vacation. Personal debt consolidation loans have been developed with such scenarios in mind.

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Which Debt Consolidation Programs Are the Best?

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Many different debt consolidation care programs give a range of services. A solid debt counseling or reduction program should help a client eliminate debt without the need to deal with bankruptcy. It is essential to pick a program that can begin a tailored program to best suit a client's needs.

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Salesforce.com?s Chatter Aims To Be Facebook Of The Enterprise

Salesforce.com kicked off the Dreamforce 2011 conference on Wednesday and made several announcements like the launch of Data.com and that Chatter will have more social features like instant messaging for its Chatter groups. Salesforce launched Chatter, a social network for enterprises, in 2010, and we estimate that the total numbers of Chatter users will reach 160,000 in 2011. Chatter comprises just about 2% of the $124 Trefis price estimate for Salesforce.com.

Source: http://www.forbes.com/sites/greatspeculations/2011/09/02/salesforce-coms-chatter-aims-to-be-facebook-of-the-enterprise/

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The 9 Things About America That You Knew Were True -- But Aren't


Betsy Ross Flag

We hold these truths to be self-evident: when it comes to history, the stories we learn in history books are factual and accurate. But that's not always the case.

American history is rife with half-truths, embellishments, and outright myths. What's worse, many of these myths are taught to us in our earliest years, cementing their place in our minds and textbooks. 

To combat these long-standing inaccuracies, here's a list of 9 common myths that many people believe to be as American as apple pie.

Independence day is not on July 4th

The myth: The Fourth of July is when America first declared independence from British rule.

The truth: It was actually two days earlier, on July 2nd, that the Continental Congress voted for independence. Two days later, a revised version of the Declaration of Independence was adopted. And though the Declaration itself was dated for the 4th, it wasn't signed by congressional delegates until August.

The founding fathers would be surprised to learn that we celebrate on the 4th. John Adams, future second president of the United States, wrote that "the Second of July, 1776, will be the most memorable Epocha, in the History of America."

He also suggested that the day be celebrated with fireworks.

The Pilgrims did not come to the New World for religious freedom

The myth: The Pilgrims escaped the religious intolerance of Europe to establish freedom in the New World.

The truth: Frustrated with the Church of England the future Pilgrims left England for Amsterdam, but fear of their children becoming too Dutch led to their departure for America.

Once here, Non-Puritans, from Quakers to Catholics, were outlawed from the colonies and voting rights were based on membership in a Puritan church. Early state laws banned Jews, and Christians that did not renounce papal authority, from public office.

It wasn't until the founding fathers established a separation of church and state (an idea that had gotten Roger Williams banned from Massachusetts) that the concept of religious freedom began to take hold.

Betsy Ross did not sew the first American flag

The myth: George Washington and others in a congressional flag committee asked seamstress Betsy Ross for a flag, and she produced the iconic design that lasts, with more stars, to this day.

The truth: While this is a nice story, there isn't much evidence to back it up besides claims from the Ross family (which emerged almost a hundred years after the fact).

There is no surviving evidence of a flag committee of any kind, and if there was it was doubtful that General Washington would be a part of it. Though Ross was paid by the Navy Board for her work producing flags, there were also negotiations between Congress and Congressional Congress member Francis Hopkinson, who had designed many seals and symbols for the early United States.

Congress eventually told Hopkinson that the flag design was a collaborative effort -- which may take away from his claim to be the sole designer, but also throws doubt on the Ross story.

See the rest of the story at Business Insider

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Source: http://feedproxy.google.com/~r/businessinsider/~3/1Vyw_U_8AMU/myths-about-american-history-2011-8

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Fake Debt Collectors Terrorizing Individuals About Debt

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Fake debt collectors are popping up everywhere. They are threatening people that they will call and have you arrested for old debts such as payday loans, etc. These fake debt collection companies are using call centers to make calls to people and most of the time the individuals didn't even owe a debt.

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2011: Is It 2010 All Over Again?


As noted Twitter finance community member Morgan_03 opined in the dwindling hours of 2010, 2011 could look a great deal like its younger brother.  This has turned out to bear some truth.  Let's take a look at the performance of the S&P 500 with both periods superimposed:

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Both had a strong early-year run-up, a European debt crisis flare-up, and now a mid-year US growth scare.  Of course, 2011 also dealt three extra traumata to the global economy:  the US debt-ceiling crisis, the S&P downgrade of US debt from AAA to AA-, and the earthquake and resulting tsunami in Japan.

Despite this, some substantial improvements have been made in nearly every economic data series.  Since it is the US Labour Day weekend, let's begin with jobs:

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2010 payrolls were somewhat distorted by the census hiring, which led to an abnormal bump in April, and then letdown in the next few months.  Still, it's difficult not to notice the similarities -- and the substantial improvement -- between this year & last.

Initial Claims say the same story:

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Wages:

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Perhaps Construction Spending is the most interesting -- given that it's at Ground Zero of The Great Recession:

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  You can make the argument that the rate of improvement has slowed, but you cannot argue with any numeracy that things aren't getting better.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/_XK2AZWgS5s/2011-is-it-2010-all-over-again-2011-9

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Here Are The Best iPhone And iPad Apps You Missed This Week (AAPL)


birdies app

We've put together a list of the best iPhone and iPad apps you may've missed this week, just in time for labor day weekend.

Here you'll find an excellent new app for golf scorekeeping, a useful new way to follow your favorite sports teams, some clever new games, and much more.

Birdies is a great app for the casual golfer

Birdies is a simple, intuitive, and nice looking app for keeping track of golf scores for up to 4 people.

We love the ingenius slot-machine sliders for quickly inputting scores for a hole, and we like that there's no crazy bulk to go along with the app (no gimmicky range finders, etc).

Once you finish a round, email the results to yourself.

Price: $0.99

Foliozo is a brilliant portfolio for creative types

Whether you're a graphic designer, photographer, or marketer, Foliozo is your new go-to way to display your body of work. Forget about carrying tons of photos in a leather folio.

Load all your images and documents into Dropbox, which syncs with Foliozo. You can organize the images into folders for easy navigation. The interface is handsome and effective.

Price: $4.99

Quotebook is a beautiful way to collect your favorite quotes

Quotebooks helps you catalog all your favorite quotes. Nothing more, nothing less. This app doesn't come with quotes, by the way. You input them yourself.

Featuring a convenient "author browser" and plentiful sharing options, Quotebook is simple and useful. There's even an auto-detect feature for picking up authors so you can have quick access to their Wikipedia page.

Price: $1.99

See the rest of the story at Business Insider

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Mind-Blowing News From FHFA

The Federal Housing Finance Agency is suing major Wall Street banks for (drum roll, please) lying about the quality of the mortgages they packaged into securities and sold to Fannie and Freddie. Let?s see if we can get this: A bankrupt government is suing on behalf of two bankrupt quasi-government firms, hoping to recover money from bankrupt banks that were already bailed out once by the aforesaid bankrupt government, and as a consequence may yet need to be bailed out again.

Source: http://www.forbes.com/sites/greatspeculations/2011/09/02/mind-blowing-news-from-fhfa/

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