Monthly Archives: December 2012

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Rochester, NY (PRWEB) December 9, 2010

There are no easy cures for America’s federal debt crisis. A new study looks at 10 strategies advocated by politicians and special interest groups from across the political spectrum. Everything from ending the Bush Tax Cuts to cutting government bureaucracy by 33% was analyzed to test its impact on the Federal Debt. The key findings show that none of these strategies will reverse the unprecedented growth in debt that America will experience if it continues on its current path. The findings have been released in a Free Report available at RealDataDoesntLie.org.

While the fate of the Bush Tax Cuts has been garnering much of the attention lately, they have only a minor impact on a very large and growing problem, said K L Pond, senior analyst for Real Data Doesnt Lie. Thats because the Federal Government is on the path to add over $ 32 Trillion to the Debt by 2030 even if all of the Bush Tax Cuts had been allowed to expire at the end of this year.

Real Data Doesnt Lie analyzes the data behind topics of public interest to create Real Data Graphics which combine images with text and data to deliver a clear, persuasive, and memorable message.

We started to analyze the Governments own long term projections of budget deficits and of the Federal Debt to create a new portfolio of products, explained Pond. The deeper we dug into the data, the more concerned we became. We decided we had an responsibility to share what we learned with the public in a format that is concise, visual, and easy to understand.

The resulting report What They Wont Tell You About Americas Federal Debt Crisis includes a look at the history of US Federal Debt, an explanation of the unprecedented growth in debt that America will experience if it continues on its current path, an analysis of the impact of 10 possible remedies to the problem that are advocated by various special interest groups, a yardstick the average American can use to judge the validity of any plan purported to meaningfully address the debt crisis, and the 3 simple rules the Federal Government must follow to secure Americas economic future.

Spending reduction strategies evaluated:


Plano, TX (PRWEB) September 25, 2012

Computer School for Boomers & Seniors is now accepting enrollments and is on a mission to help Grandma and Grandpa become more computer literate. I have a grandson who knows more about computers at six than I did when I was fifty, said Mimi Witcher, Founder of CS4Seniors (http://www.cs4seniors.com). My grandchildren are growing up with technology. They have computers, IPads, Smartphones and IPods. They text, surf and click all day long. We missed out on all that, said Mimi. But our generation needs to get with the program. We need to become computer savvy.

Computer School for Boomers & Seniors is a virtual campus with a mission to empower their students by providing encouragement, lifelong learning opportunities and new worlds to explore via the Internet. Im very serious when I say there is a need. Just look at what is happening all around us, said Mimi.

John Skiba discusses the legal process of freeing yourself from debt called bankruptcy. The three main bankruptcy cases are discussed, namely chapter 7, chapter 11, and chapter 13. John is an Arizona bankruptcy attorney who helps individuals and businesses that are in financial distress….
Video Rating: 5 / 5

Some simple financial resolutions for 2013
Organize your info and look at your money. All good financial planning starts here. If you have balances on your credit cards, make a list of all of your cards, with their effective interest rates and balances. Your debt-payoff strategy will become …
Read more on NBCNews.com (blog)

Time to plan for the New Year
The next ideal step will be to talk to your lenders and try to negotiate for an amicable solution that will help you clear your debts in a realistic way. “Don't be afraid to plead for assistance in terms of reducing the rate of interest you are …
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Avoid New Debt Like You Would the Plague
Secondly, you have to make a debt reduction plan that clearly spells out the dates within which you can realise this goal. Then, list what you owe and rank it according to the most urgent. If repayments are already slicing away a huge chunk of your …
Read more on AllAfrica.com

Inflated unemployment statistics: The effects of welfare work registration requirements (A Law and Economics Center study)

Inflated unemployment statistics: The effects of welfare work registration requirements (A Law and Economics Center study)

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Littleton, CO (PRWEB) October 29, 2007

Filing bankruptcy is a huge step that can be overwhelming, expensive, and time consuming. Heupel Law, P.C. announces new services and website features including free online bankruptcy evaluations, free initial consultations, and payment plans. Heupel Law is dedicated to providing clients with knowledgeable and accurate answers to all of their bankruptcy questions.

The Heupel Law website includes several new features. The free online bankruptcy evaluation is a quick way to get the process started. With easy-to-use applications, their website is a convenient first step to the possibility of filing bankruptcy. The Heupel Law website also includes information about Chapter 7 and 13 bankruptcies and new bankruptcy laws.

In addition, Heupel Law offers a free initial consultation to clients. This option allows clients to discover if this is the correct path for them without initiating further debt. A personal bankruptcy lawyer will answer all of the client’s questions during this professional consultation.

Owner of Heupel Law, P.C., Kevin Heupel, explains, “Our goal is to turn obstacles into opportunities. We understand that there are numerous circumstances that may cause financial problems, including the increase in the foreclosure market. Many people feel that filing bankruptcy is the end of the road. However, bankruptcy isn’t the end or a stigma; it’s actually the beginning of a new, fresh financial life.”

As an experienced personal bankruptcy lawyer, Kevin Heupel has developed an affordable way to help those in financial need. Heupel Law provides detailed legal advice on bankruptcy, which entails the planning, determining qualifications, and coordinating the process until completion. Additionally, they offer clients bankruptcy facts including the types of bankruptcy and how to declare bankruptcy.

By offering free advice and consultations, Heupel Law allows clients to determine if they should proceed. Knowledgeable with new bankruptcy laws, Heupel Law can answer both Chapter 7 and 13 bankruptcy questions accurately.

“We understand that people who are contemplating bankruptcy cannot afford to pay large attorney fees. We offer a free initial consultation, competitive prices, and payment plans to allow people to make an educated decision about their financial future,” explains Heupel.

To learn more about filing bankruptcy or for answers to your bankruptcy questions, please visit CoBankruptcyHelp.com.

About Heupel Law, P.C.:

Kevin Heupel has been a licensed attorney for over ten years. He is a former Assistant Attorney General and an experienced bankruptcy attorney. Heupel Law, P.C. is dedicated to wholly serving the community and clients. With a pledge to superior service and personal attention from start to finish, Heupel Law will answer all of the client’s questions and provide bankruptcy facts.

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Belleville, Ill. (PRWEB) March 15, 2012

The Social Security Administration (SSA) began issuing Social Security Disability Insurance (SSDI) benefits electronically to new recipients last year, as the U.S. Treasury Department phases out paper checks. Effective March 1, 2013, all Social Security beneficiaries will receive benefits electronically, and beneficiaries should plan accordingly, advises Allsup, which represents thousands of people in the SSDI application process each year.

If youre receiving Social Security disability or retirement benefits by check now, you have a few months left to switch to electronic payment through an account of your choice, explained Paul Gada, personal financial planning director for the Allsup Disability Life Planning Center.

Beneficiaries must choose either direct deposit into a traditional bank or credit union account or deposit onto a payment card, such as a debit card. Those receiving paper checks now can make the changeover to electronic deposit prior to March 1, 2013, by visiting their bank, credit union or savings and loan. The government estimates stopping paper benefit checks will save Social Security $ 1 billion over the next decade.

SSDI is a federally mandated disability insurance program overseen by the Social Security Administration (SSA) that operates separately from the retirement and Supplemental Security Income (SSI) programs. SSDI provides monthly benefits to individuals who are under full retirement age (age 65 or older) and who can no longer work because of a severe disability (injury, illness or condition) that is expected to last for more than 12 months or is terminal. Individuals pay for the federal insurance program through their FICA taxes.

Social Security Disability & Common Questions

Newcomers to the SSDI program often have questions about the process, the length of time involved and the option of choosing a representative to advocate for their disability claim. Below, Allsup provides answers to some of the more common questions:

1. How do I know if Im eligible for SSDI benefits?

There are several factors important to seeking Social Security disability benefits. First, the person must be insured. Generally, this means having worked and paid into the program through payroll taxes (or FICA taxes) for five of the last 10 years. The applicant must have been disabled before reaching Social Security retirement age, or 65-67. He or she also must meet the SSAs definition of disability. Generally, a severe mental or physical impairment must keep someone from working for 12 months or longer, or it is terminal. For those who are uncertain if they are eligible for SSDI benefits, Allsup offers a free, no-obligation Social Security disability evaluation. Call the Disability Evaluation Center at (800) 678-3276.

2. When should I apply for SSDI benefits?

There is no required waiting period before applying for SSDI benefits. A common mistake is waiting too long to apply for Social Security disability benefits when you are clearly eligible and likely to qualify, Gada said. You or your family may experience increasing financial difficulties as you wait through the disability review process, which itself can last longer than one or two years.

3. Why should I ask Allsup to help me get SSDI?

Allsup can help someone find out before they apply if they are likely to qualify for SSDI benefits. In addition, claimants are more likely to get their SSDI benefits faster. Allsup is able to help more customers receive their SSDI awards with their initial applications (52 percent compared to 34 percent national average). Applicants can avoid waiting in Social Security telephone and office lines. The SSDI representative also assists with paperwork, compiling medical documentation and work history. You can receive Allsups expert SSDI help from the beginning of your disability claim, Gada said. Allsup experts will continue to advocate for you throughout the denial and appeal process as well.

According to the SSA, most people have a representative on their side at the hearing level. Its to your benefit to get help from the beginning and possibly avoid a denial and receive your benefits earlier, Gada added. He also pointed out that Allsup does not charge any fees unless an SSDI claim is awarded, and that fee is set by the SSA.

4. What should I do if Ive already been denied benefits?

Experiencing a denial is common, since the SSA denies two-thirds of all initial applications. For thousands of people who have already attempted their SSDI application on their own, the denial is frustrating. But they still have the opportunity to get representation. When it comes to a disability appeal, an experienced Allsup representative will prepare the claimant for, and represent him or her, at the hearing, no matter where they live.

These are just a few of the common questions people have about applying for SSDI benefits. We receive thousands of calls every day from people considering applying for Social Security disability benefits, Gada said. Because you likely havent done this before, we know you have a lot of questions. Allsup professionals specialize in the SSDI process. Weve used our expertise to help tens of thousands of people receive their benefits as quickly as possible, with less stress, and provided true help along the way.

Find answers to other common questions about Social Security disability on Allsup.com. To reach someone directly, contact Allsups Disability Evaluation Center at (800) 678-3276.

ABOUT ALLSUP

Allsup is a nationwide provider of Social Security disability, Medicare and Medicare Secondary Payer compliance services for individuals, employers and insurance carriers. Founded in 1984, Allsup employs more than 800 professionals who deliver specialized services supporting people with disabilities and seniors so they may lead lives that are as financially secure and as healthy as possible. The company is based in Belleville, Ill., near St. Louis. For more information, go to http://www.Allsup.com or visit Allsup on Facebook at http://www.facebook.com/Allsupinc.







Find More Social Security Retirement Age Press Releases

Today, the House will take up Senate amendments to the Unemployment Compensation Extension Act (HR 4213) which the Senate passed on the evening of July 21st. This emergency legislation will extend unemployment insurance (UI) benefits to millions of Americans families, which Republicans have held up for more than 7 weeks causing an estimated 2.5 million families to lose their lifeline that they have earned through their work. Learn more about the bill at: www.speaker.gov
Video Rating: 3 / 5


(PRWEB) December 27, 2012

With the launch of its new website, No Problem Car Loans, aims to make it easier for Canadians to obtain bankruptcy car loans, or bad credit car loans. Incorporating an online application capability within the website, the company believes it has made it easy for borrowers to access funds from a professional source.

The company comes well credentialed – it is run by a Eastway Credit, a division of Eastway Crysler Dodge Jeep Ltd.

We understand that for many, the economic times in which we live are challenging said Norton Gabriel from No Problem Car Loans. People get disheartened when they are continually turned away from typical financial lenders. But when it comes to cars, we are experts in financing, and know different options that can help them get back on the road.

Mr Gabriel explained that often job seekers are faced with a chicken/egg situation. They want to get a job, but the job requires a car, and to get a loan for a car they need to have a job.

Having a car opens up a lot more employment options for those looking for work – we get this continued Mr Gabriel.

Not only do we offer bad credit car loans, but we can also help our clients find the right car, and, despite our relationship with Crysler Dodge Jeep, it doesnt have to be one of these cars.

We have been doing this now for over 30 years, but by establishing a new, fresh, online presence, we hope to be able to help many more Canadians to purchase the best car for them said Mr Gabriel. We are, of course, still contactable by phone. Our No Problem Car Loans professionals understand our clients situations, sometimes better than they do themselves, and are able to explain the different options available. Some situations are delicate, we know, and our commitment to discretion is unparalleled.

For more information on bad credit car loans visit the companys new website NoProblemCarLoans.ca

About No Problem Car Loans

No Problem Car Loans is run and operated by Eastway Credit, a division of Eastway Chrysler Dodge Jeep LTD. With years of experience in the car business, they are expert brokers who, for over 30 years, have put their clients in cars they want, regardless of their credit history.

NoProblemCarLoans.ca







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