Benefits of Credit Card Debt Consolidation

Consolidation Loans with Bad Credit Is debt consolidation a good solution for my credit card debts? Debtors, upon realizing that in a few years their credit cards would have accumulated thousands of dollars through interests ask the same question. Credit card purchases, in many instances are actually more expensive because of high interest rates. Someone [...]

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Source: http://www.legaldebthelponline.com/2012/06/29/benefits-of-credit-card-debt-consolidation/

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A Perfect Example Of How Walmart Is Taking Over Small Towns

The Fairfield High School scoreboard in my Ohio hometown used to advertise local businesses. There was a big ad for Bigg's — a local grocery franchise — and smaller ads for Fairfield Pizza, Play-It-Again Sports, and more.

But in the summer of 2011, I visited Fairfield and noticed that the scoreboard was a solid blue and now advertised Walmart as the only sponsor. 

There are four Walmart stores within 15 minutes of the high school stadium. One Supercenter is just a mile away from the old Bigg's store. 

As of 2011, Bigg's had closed that location and all of its other stores around Cincinnati. The shopping mall where Bigg's was located, Cincinnati Mills, is mostly empty now, with many other local businesses shut down.  

Here's a Google Street View image of how it used to look (other local sponsors are listed on the lower half):

fairfield stadium

And here's how it looks today:

 

Wal-Mart Scoreboard

When I asked a local mom how she felt about the scoreboard (which is the team color of rival Hamilton High School), she was supportive of Wal-Mart

"They're great because they give a lot of money to the school and things like Gatorade and bottles," she said. "We're all thrilled with the sponsorship." 

SEE ALSO: A Scary Reality About Wal-Mart Customers: They're Broke.

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4 Business Lessons From Oscar-nominated Films

In Hollywood, an Academy Award is the ultimate proof that you?ve done well. And the awards show telecast is one of the most watched in the world. Entertainment aside, EntreLeaders can learn a lot from Oscar-nominated films. Here are a few lessons from this year?s crop of nominees.

Argo

In an industry that relies on dead-body counts and low-brow humor to attract crowds, Ben Affleck went against the grain and created a smart political thriller about a little-known historical event. A lot of Hollywood insiders thought it would bomb, and they were never more wrong. Since its opening in October, Argo has grossed more than $126 million at the box office and received seven Oscar nominations.

Lesson Learned: Affleck proved sticking to your guns, working hard, and making a quality product can lead straight to success (and lots of statuettes too) despite criticism.

Les Misérables

With apologies to Victor Hugo, here?s a branding tip from this film based on his novel: If you want customers to come to your business or buy a certain product, name it something that doesn?t make them think that they?re going to have a wretched, depressing time.

Lesson Learned: Branding establishes your company?s voice (who you are and what you stand for), so be super careful when creating it. Also, never?and this can?t be repeated enough?never hire Russell Crowe to sing.

Lincoln

Named by the New York Times as one of the greatest political films of all time, Spielberg?s Lincoln focuses our late president?s fight to ratify the 13th Amendment. And what a fight it was. Lincoln faced opposition from Democrats who thought he was a dictator and inner battles with his own party?as well as himself.

Lesson Learned: Lincoln handled every problem with grace, humor and an unfailing commitment to do the right thing, whatever the cost. He also remained laser-focused on his objective, no matter what roadblocks were put in his way.

Life of Pi

Think business is tough? Then picture this: You?re on a boat on the way to your new home in Canada when a violent storm suddenly comes up and throws you overboard. Thankfully, there?s a lifeboat available. Only one problem: You have to share it with a ferocious Bengal tiger named Richard Parker.

Lesson Learned: Want to survive? Then you have to learn to coexist with even the most ferocious of predators. And under no circumstances, no matter how tough it gets, should you ever give up.

Whether you are feeling like your ship is about to sink (making you Les Misérable) or you have more enemies than Abraham Lincoln, remember this: Just like in the movies, you can create a happy ending by working hard, keeping your principles, and never, ever giving up.

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Source: http://www.daveramsey.com/article/4-business-lessons-from-oscar-nominated-films/lifeandmoney_business

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Allegedly Drunk Man Caught Driving Walmart Mobility Scooter Down Highway

It wasn’t all that worrisome that a 27-year-old man was glassy-eyed and failed a field sobriety test when police stopped him on an Indiana highway. The real problem, and the reason why they stopped him, is that he was driving an electric mobility scooter. That belonged to a nearby Walmart. On the highway. At nearly four in the morning.

People … [More]

Source: http://consumerist.com/2013/02/21/allegedly-drunk-man-caught-driving-walmart-mobility-scooter-down-highway/

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If This Report Is True, LivingSocial Is In Far Worse Shape Than We Thought

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PrivCo, a research firm tracking private companies, says that daily-deals site LivingSocial took $110 million from its existing investors in the form of debt, not equity.

If that's true, LivingSocial is in a world of hurt.

For one thing, the debt deal described by PrivCo CEO Sam Hamadeh is on loan-shark terms. He says LivingSocial took convertible debt. That's debt which the lenders have the right to convert into equity under certain conditions—but it's still debt.

Hamadeh says the debt has a 4x liquidation preference. That means that if LivingSocial ends up being worth anything in a sale, the new investors—sorry, creditors—will get the first $440 million, not just the $110 million they put in.

According to the PrivCo report, the new infusion of cash essentially wipes out founders, employees, and executives who hold common shares or options. It also reprices earlier investment rounds, making the $823 million Amazon and others had previously put in essentially worthless.

Then again, if they forced LivingSocial to accept a debt deal on the terms PrivCo's Hamadeh describes, existing investors essentially own the company now.

Amazon took a big writeoff on its LivingSocial investment last year. At the time, LivingSocial CEO Tim O'Shaughnessy wrote an email to employees telling them the writeoff was related to impairment charges on acquisitions and the company had become cash-flow positive.

Shortly afterwards, LivingSocial started laying off 400 employees.

Here's what's really scary about LivingSocial accepting a debt deal, though.

It could start a death spiral for the company.

Convertible-debt investors are "senior" to other creditors in a bankruptcy or other scenario where the company has to wind itself down.

LivingSocial's creditors include the merchants who run daily deals on the site.

Here's how daily deals work: LivingSocial and other deal providers collect money upfront from consumers. The merchants get paid over time. (LivingSocial pays merchants faster than Groupon.) But the merchants have to deliver the goods or services for the deal over a longer time period.

In some sense, the merchants are giving LivingSocial a short-term loan in exchange for promising to give LivingSocial customers goods or services in the future. LivingSocial then pays that "loan" back.

But merchants will now fall behind LivingSocial's investors in line.

In a worst-case scenario, savvy merchants will steer clear of LivingSocial, which means only merchants who are really desperate to drum up business will offer deals through the company.

Deal quality and volume will fall off, which in turn will hammer revenues and consumer satisfaction at a time when LivingSocial desperately needs those to go up.

That's the strangest thing about a convertible-debt deal. It may be the only way LivingSocial could raise money. And investors understandably want to protect themselves from a business that's burning cash. But they both may have shot themselves in the foot.

LivingSocial investor Jeremy Liew of Lightspeed Venture Partners congratulated LivingSocial on the deal yesterday:

We asked Liew and the company for comment on the PrivCo report, and haven't heard back.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/XaDHIAjUyQE/livingsocial-may-have-taken-debt-2013-2

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Benefits of Credit Card Debt Consolidation

Consolidation Loans with Bad Credit Is debt consolidation a good solution for my credit card debts? Debtors, upon realizing that in a few years their credit cards would have accumulated thousands of dollars through interests ask the same question. Credit card purchases, in many instances are actually more expensive because of high interest rates. Someone [...]

The post Benefits of Credit Card Debt Consolidation appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/06/29/benefits-of-credit-card-debt-consolidation/

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Should You Get a Bigger Refund This Year?

Most of us realize that we spend a portion of our working day paying taxes. At tax time, millions discover they could have kept more of what they earned throughout the year ? if they?d only known they were overpaying their taxes in the first place.

So, obviously, it?s difficult to know how much you?re supposed to pay, but it can be even more of a challenge to know how much you should get back. Should you get a bigger refund this year?

From One Baby Step to the Next

Rebecca M. recently discovered her income tax refund will be much larger than she expected.

With the help of her tax professional, Rebecca increased her tax refund by $1,100. She worked with one of Dave?s Endorsed Local Providers (ELPs) to help her find all the deductions she was eligible for. She said that Sara, her tax ELP, found an error that three other tax people couldn?t figure out. The extra money means she and her family will be debt-free by the end of the year.

?Originally, it would have been one or two months into the new year before I could write the last check to Sallie Mae,? Rebecca said. ?I can?t even begin to explain how thankful I am that we found Sara. This money makes the difference. I?m so excited!?

Service You Can Count On

Even though Melissa M. prefers to do her own taxes, she still wanted to work with a tax professional who could answer her questions and make sure she was on track with her return.

Her ELP, Allan, reviewed her forms and pointed out a few entries she should recheck. ?When I made the changes he suggested, I saved $1,200!? she said.

After their consultation, Allan told Melissa she was doing a great job on her taxes. She was surprised that he didn?t try to convince her to have him complete her tax returns for her. Allan?s honesty and trustworthy advice won him a dedicated client.

?I?ll definitely be calling Allan again,? Melissa said.

Find a Tax Pro You Can Trust Today!

With every dollar of your income you recover from Uncle Sam, you increase your ability to improve your family?s finances. Like Rebecca and Melissa, you can trust your tax Endorsed Local Provider to find all the deductions and credits you qualify for so you can keep the money that?s rightfully yours. Your ELP can also help you put an end to big tax refunds by showing you how you can bring home more money in your paycheck all year long. Find your tax ELP today!

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Source: http://www.daveramsey.com/article/should-you-get-a-bigger-refund-this-year/lifeandmoney_taxes

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