The Cost Of Debt Consolidation

Best Credit Card Consolidation Companies Opting for a debt consolidation can be a great solution if you are looking for a way to settle your debts, get lower monthly payments or maybe low interest rates. Don’t just sign any documents without reading and understanding the terms. Be sure you have read every clause and you [...]

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Source: http://www.legaldebthelponline.com/2012/06/30/the-cost-of-debt-consolidation/

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The Morality Of Making Guns On A 3D Printer

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By now you've probably heard about Defense Distributed, a Texas organization that aims to distribute files for making firearms on professional-grade 3D printers.

The group also intends to scale these designs down to the point that they can be printed on cheaper hobbyist printers like MakerBot and Printrbot.

It is currently illegal in the United States to make a weapon that the National Firearms Act would identify as a "firearm" without a tax payment and ATF permission. This stands in stark contrast to what Defense Distributed says on its site, maintaining that it's perfectly legal.

We're sure people will debate the legalities. We're more interested in a different question.

How moral is it to give people the means to cheaply manufacture their own real weapons that fire real bullets?

There are those who will argue it's a moral imperative, that the country's going to hell in a handbasket and it's up to us to take it back. This attitude permeates Defense Distributed's website, with lines such as "The firearm has place of pride in underlining an individual’s significance as a moral agent," and "Firearm rights are human rights."

This strikes me as a bunch of self-righteous bloviating. Being born doesn't entitle you to own a gun any more than it entitles you to drive a car—you get to do so after earning a license. I've always thought of them as gun "privileges" instead of gun "rights."

Lest you think I'm some die-hard lefty, let me be clear—I have no issue with guns. Have you ever fired one? It's awesome. I totally get the reasons for owning them and using them appropriately.

I think printing your own gun is perfectly fine, no more or less moral than buying a new one. But it's the act of indiscriminately distributing the plans to do so that seems wrong and dangerous.

If Defense Distributed successfully designs a working firearm, it's been very clear that it will make the plans freely available over the internet to whoever wants them. 3D printers are only getting better and more affordable. Once only available to professionals, they're now readily available to tinkerers, hobbyists, and dads. Anyone with a 3D printer and some ABS plastic will be able to own a gun regardless of his criminal history or psychological stability. These guns will be unregulated, off the grid, easily copied, and just as easily disposed of.

I'm all for 3D-printed guns, but I'm also for safety. Until Defense Distributed can figure out how to be a little more discriminating with who gets the weapon plans, I think the moral thing to do is to hold off.

I can't help but think that guns don't need to be more available in the country.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/4MHkOTvBhKI/3d-printer-guns-morality-2012-11

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Nokia Rings In The Holiday Season With Strong Lumia Demand

The coming months will be very important for Lumia since Nokia will have to work hard to ensure that the demand doesn?t fizzle out post the initial euphoria in order to stage a turnaround in its smartphone business.

Source: http://www.forbes.com/sites/greatspeculations/2012/11/26/nokia-rings-in-the-holiday-season-with-strong-lumia-demand/

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SPOTTED: A Ferrari 458 Italia At A Jaguar Dealership

Jaguar makes a nice luxury car, but maybe not nice enough to convince its dealers to stop buying Ferraris.

Devansh D sent in these photos of a yellow 458 Italia at a Jaguar dealership in Allentown, Pennsylvania. As he's seen it there a few times before, his best guess is that it belongs to the owner. If he's right, it's a bonehead, if understandable, move on the part of the salesperson.

Have you spotted a rare or unusual way of getting around in your travels? Did you take a photo? Do you like sharing? Let me know via e-mail:adavies@businessinsider.com or on Twitter: @adavies47.

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SEE ALSO: 10 New Cars We Can't Wait To See At The LA Auto Show

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Source: http://feedproxy.google.com/~r/businessinsider/~3/z4o7VpYjIcA/ferrari-458-italia-at-jaguar-dealership-2012-11

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Joining Together Credit Card Bills The Correct Way

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Source: http://www.legaldebthelponline.com/2012/06/27/joining-together-credit-card-bills-the-correct-way/

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EmblemHealth Won?t Talk To Me About My Husband?s Coverage Because We?re Both Men

John and his husband, who live in New York where same sex marriage is legal, are both covered by John’s employer-sponsored insurance from EmblemHealth. But John says that every time he tries to contact Emblem about anything regarding his husband’s coverage — no matter how trivial — the company refuses to acknowledge the two men are married.

According to John, … [More]

Source: http://consumerist.com/2012/11/26/emblemhealth-wont-talk-to-me-about-my-husbands-coverage-because-were-both-men/

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Why A Well Paid Consultant Would Drop Everything To Be A Lawyer

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One thing I think I've underestimated is the extent to which the "prestige" associated with being a lawyer affects peoples' thinking about whether to go to law school. 

This thread on TLS features an OP (a non-management consultant) who, less than a year out of undergrad, is making $60K at a consulting job which features a lot of career stability, that will be paying him around $80K in his mid-20s, and around $100K by the time he's thirty, and which has ceiling of around $250K long-term, although it sounds as if he's more likely to top out at around $150K-$175K on this career path. 

He's bored by the work (which in comparison to being a lawyer sounds neither particularly stressful nor time-consuming), and he doesn't like the fact that no one seems overly impressed when he tells them what he does for a living.

The OP is quite refreshingly straightforward about his reason to go to law school: to make a lot of money, and to have a more prestigious job than being a consultant.  His plan is to go to a lower T-14 and via a combination of "scholarship" money, family help, and savings, graduate with no more than $100K-$125K in debt. 

He'll then pay this off by working in big law for a few years, then lateral into an in-house position. (He's got a 3.5 and a 170, which would probably require him to pay sticker or close at lower T-14 schools, and which would leave him with far more debt than this, but he plans to retake the LSAT, add a few points, and shake some money out of Michigan or Penn or UVA or whomever).

His thinking is that the in-house position will in all likelihood pay enough to justify the direct and opportunity costs of going to law school, and that there's a decent chance he could get a post big-law job that would pay a lot more than $250K per year, thus making his law degree a good to excellent investment.

From a purely financial perspective this is, to put it mildly, a terrible plan -- his realistic best-case scenario is that he ends up more or less breaking even in the long run after dropping $500K in direct and opportunity costs by going to law school, and of course he's running a huge downside risk.  So why is he even considering it? This is somebody trained in quantitative analysis after all, who is paid to advise business people, so it's not as if he's an innumerate snowflake who doesn't even know what "opportunity cost" means.

Who knows, but my guess is that what this guy is really chasing after is the cultural prestige associated with being a lawyer.  When push comes to shove he's willing, or thinks he's willing, to take what  from a probabilistic standpoint is a ridiculously risky gamble, in exchange for being able to tell people he's a lawyer.

And that, in the end, is what law schools from Yale to Cooley all sell, in one way or another.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/eTK5-pGJeaY/why-people-go-to-law-school-2012-11

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WARREN BUFFETT: Here's The Thing Grover Norquist Doesn't Understand About Business And Taxes

warren buffett

Warren Buffett is out with a NYT op-ed calling for a minimum tax on the rich.

We'll get to his specifics in a second, but the part that will get the most attention is his intro, where he calls out Grover Norquist, the powerful activist who gets Republicans to "pledge" that they'll never raise taxes.

Buffett writes:

SUPPOSE that an investor you admire and trust comes to you with an investment idea. “This is a good one,” he says enthusiastically. “I’m in it, and I think you should be, too.”

Would your reply possibly be this? “Well, it all depends on what my tax rate will be on the gain you’re saying we’re going to make. If the taxes are too high, I would rather leave the money in my savings account, earning a quarter of 1 percent.” Only in Grover Norquist’s imagination does such a response exist.

With the fiscal cliff debate heating up, criticism of Grover Norquist and his influence is growing louder.

This weekend, a few different Republicans said they would consider violating the Norquist pledge as part of a Fiscal Cliff deal. That's leading to (possibly premature) headlines about how his influence is on the "wane."

As for Buffett's proposed ideas, he calls on Congress to establish a minimum 30% on tax on incomes between $1 million and $10 million, and for a 35% tax rate on incomes above that. As for existing proposals from the Obama administration that call on the rate to revert to pre-Bush levels for those making $250,000 or above, Buffett suggests a slightly higher threshold, perhaps even as high as $500k. He also ays the government should aim for a policy of taking in 18.5% of GDP in taxes, while spending 21.5% of GDP.

Read the whole Op-Ed here >

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Source: http://feedproxy.google.com/~r/businessinsider/~3/sXefDOc3c98/warren-buffett-calls-out-grover-norquist-on-taxes-2012-11

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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 [...]

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

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Credit Card Merging As Scientific Studies Are The True Secret

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Source: http://www.legaldebthelponline.com/2012/06/28/credit-card-merging-as-scientific-studies-are-the-true-secret/

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