A Mortgage Refinance in Retirement - Good Idea or Bad?

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Interest rates today are lower than anyone can ever remember having seen before. At no time has a mortgage refinance made so much sense - especially for people over 55 who may be looking at their anemic retirement savings and hoping for a way to get it back into shape. For people to take up something as huge as a mortgage refinance close to retirement has always been considered a terrible move.

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Debt Management Facts - What to Do When You Can't Pay Your Credit Card Bills

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The first thing people do when their financial demand exceeds what they can supply - is panic. Not being able to pay fulfil your credit repayments is not as daunting as it may first appear to be. Once you know what you are able to do to help yourself, you can do it and get on with the rest of your life. Finances are difficult to understand at the best of times, but to find yourself in a quagmire of final demand letters and threats of prosecution is avoidable.

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Kicking the Can, Berlin Style

For all of the bravado and apparent brinkmanship, Germany appears to have backed down in its demands for private investors holding Greek bonds to share financial burden of a financial restructuring. Instead Ms. Merkel claims that it would be sufficient to have debt holders volunteer to roll over maturing debt.

Source: http://blogs.forbes.com/greatspeculations/2011/06/17/kicking-the-can-berlin-style/

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Debt Settlement Vs Credit Counseling

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Debt stricken often find themselves in a muddle, when they fail to decide amongst the debt removal programs that they should take up. Here the concerned article discusses the pros and cons of debt settlement and consumer credit counseling.

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A Mortgage Refinance in Retirement - Good Idea or Bad?

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Interest rates today are lower than anyone can ever remember having seen before. At no time has a mortgage refinance made so much sense - especially for people over 55 who may be looking at their anemic retirement savings and hoping for a way to get it back into shape. For people to take up something as huge as a mortgage refinance close to retirement has always been considered a terrible move.

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Source: http://ezinearticles.com/6358628

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British Unions Threaten The Biggest Wave Of Strikes Since 1926


strike

The British government is seeking pension reforms, which include increasing the general retirement age in the public sector from 60 to 66, moving from a final salary system to benefits based on career-average earnings and raising contributions by an average 3.2%.

Outraged, the head of Britain's largest public sector trade union threatened the biggest wave of industrial action since 1926, according to the Telegraph:

Mr Prentis said: “It will be the biggest since the general strike. It won’t be the miners’ strike. We are going to win.”

He said: “I strongly believe that one day of industrial action will not change anyone’s mind in government. We want to move towards a settlement.

“The purpose of industrial action is not industrial action, it is to get an agreement that is acceptable and long-lasting.

“But we are prepared for rolling action over an indefinite period. This coalition has got to open its eyes and see that in just reacting to a Daily Mail view of the public sector they are walking into a trap of their own making.”

Similar strikes have riled France and every other country that tried to reform pensions. America has this to look forward to.

Don't miss: The Only 5 Countries Whose Pensions Will Survive >

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Kindle Book Review: The Diamond Cutter: The Buddha on Managing Your Business and Your Life


Book Reviewer Vacations With Kindle and Karma

In part 1 of this three-part review series, I told you that I had purchased a Kindle 3 with Wi-Fi to feed my business book addiction while on vacation.  One of my first purchases came as a recommendation from a fellow entrepreneur: The Diamond Cutter: The Buddha on Managing Your Business and Your Life.

The original Diamond Cutter is an ancient book of teachings given by the Buddha over 2,500 years ago.  It is the oldest dated book in the world that was printed, rather than written by hand.  The British Museum currently has a copy dated A.D. 868 ?600 years before the Gutenberg Bible was produced.

In this adaptation, authors Geshe Michael Roach and Lama Christy McNally tell the story of how Michael?s monk teacher encouraged him to join the world of business if he really wanted to apply the teachings that he had learned at the monastery.  Michael had a vision of working in the diamond trade during a meditation and decided that this would be the business he would join.  The challenge for Michael was that the diamond industry was very closed to outsiders.  He started taking classes and befriended Ofer Azielant, who invited him to apprentice at Andin International.  With hard work, humility, patience and the principles in this book, Michael grew the Diamond Division of Andin International exponentially.

Inside the Book

Each chapter of The Diamond Cutter starts with a quote from the ancient script.  Then this script is interpreted by a Lama into more current language.  Then Michael takes the principles of the ancient lesson, tells the story of how he applied this lesson in his business, and give practical guidance on how you can apply these lessons in your business and in your life.

I had a love-hate relationship with the book overall and sometimes found it tedious.  But Chapter 7, “The Correlations or Common Business Problems and Their Solutions,” made the whole book worthwhile.  This section takes seven business objectives and goals and shows you how to adjust your thoughts and actions to bring those goals into reality.

  1. To prosper financially, be generous.
  2. To see yourself in a world that is happy, maintain an ethical way of life.
  3. To see yourself as healthy and attractive, refuse to get angry.
  4. To see yourself as a leader, take joy in constructive and helpful actions.
  5. To focus your mind, practice meditation.
  6. To free yourself from a world that doesn?t work the way you want it to, learn about the hidden potential of things.
  7. To get all you wished for, practice compassion toward others.

I admit, that?s a little “out there.”  This is why the authors list a series of common business problems and their solutions; these are much more practical in nature.

  • If company finances are unstable:  Share your profits with those who have helped you produce them.
  • If your equipment and machinery is outmoded or unreliable: Stop being envious of other businesspeople and focus on your own creativity and innovation.
  • If you feel like you?re losing your authority in the company: Don?t be arrogant with those around you; listen to those who work with you.
  • If your office is full of fighting and bickering: Stop engaging in talk that aims to split people apart (that?s gossip).

There are something like 50 of these problem/solution statements in this chapter. This is where the Kindle got unwieldy.  It’s hard to flip through many pages at a time to reference a simple statistic like this.

Reading through these problem/solution statements, I couldn?t help but think of specific situations where I had these very problems.  Not only that, but I could see how my actions, thoughts and speech could have easily encouraged the very situations I was trying to avoid.

You might think this is a religious book because it references Buddhism.  I really didn?t see it that way.  I saw this as a book that made me reflect on who I was and how the actions and decisions I made affected the outcomes and results that my business created.

If you?re in the mood for self-reflection, and looking at ways to improve how your business exists in the world and interacts with its employees and customers, this is a great read.

My next book review will be about the follow-up book to The Diamond Cutter, Karmic Management.

From Small Business TrendsKindle Book Review: The Diamond Cutter: The Buddha on Managing Your Business and Your Life

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Credit Score Ratings? ? Start off Reading Much more About It

The numerical representation on how worthy a company or an individual for a credit is referred to as the credit score ratings. Large credit bureaus will provide the credit history which is going to be used in reviewing all the data. Formulas will also be used to derive the numbers becoming gathered. The credit score, [...]

Source: http://www.legaldebthelponline.com/2011/06/17/credit-score-ratings-start-off-reading-much-more-about-it/

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