| Debt Management: Reduce Financial Worries, have Smooth Life
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Britons Face Billion-Pound Interest Payback
One in four people is struggling with their debts as Britons collectively face a 93bn annual bill for interest. At the same time, around three million people have taken out a debt consolidation loan to try to get on top of their borrowings. Borrowing through credit cards, loans, overdrafts and mortgages has hit almost 1.4 trillion, according to comparison website uSwitch.com. An estimated 9.5m people had "maxed out" on one form of credit during the past six months, while 38% have had a credit card application rejected, the group claims. But nearly two-thirds of these failed to close down their existing credit facilities, and instead went on to rack up a further 2,300 of debt on average. Overall, the research found that the average household has now amassed unsecured debts of 4,281.
Credit card industry tries to hook young people
All major banking institutions pay big money to colleges and universities for on-campus recruiting rights, offering students low initial interest rates and/or other sweetheart deals if they accept a credit card. The rest of us get solicitations through our phone or the mails.Seductive sales campaigns focus on high school graduates and for all kinds of items that TV, movies or society has told them they want, need, should have because they deserve it and others have, so why don't they? Car dealers offer "one-time sales events" to first-time wage earners, high-end electronic stores give 90-day-same-as-cash deals and guarantee that no one will be turned down, furniture showrooms offer newlyweds "no payments 'til next year," cell phones, Internet providers, cable companies, satellite dish outfits all make it sound as if you can't have a decent life without their help.All this has given birth to an additional parasite - the debt-consolidation, paycheck-cashing, payday-loan, instant-refinancing-of-your-car (and you get to keep your car - 'til they come to take it away) industry.Public schools teach kids how to drive, play sports, fit a condom, take birth control pills, find an abortionist or fill out a job application at McDonald's.
Chronology of National News Events in 2007
Six foreign-born men are charged in what authorities say was a plot to attack the Fort Dix Army base in New Jersey. May 11: As graduation ceremonies begin, Virginia Tech remembers victims of April shooting massacre. May 12: A U.S. patrol is attacked south of Baghdad, and five Americans and an Iraqi interpreter are killed; two soldiers are still missing. May 14: DaimlerChrysler says it is selling almost all of Chrysler to private equity firm Cerberus Capital Management for $7.4 billion, backing out of a troubled 1998 takeover. May 15: The Rev. Jerry Falwell, who built the religious right into a political force, dies. May 21: Israel launches new airstrikes against Palestinian rocket squads in the Gaza Strip, killing five militants. An Israeli woman is killed by a rocket fired from Gaza.
Wall Street flouts 'Super Bowl Rule' as indexes decline
Stocks lost ground Monday, as Wall Street ignored the Super Bowl rule.
The rule suggests that the stock market will do well in a year after one of the original National Football League teams wins the Super Bowl.
Despite Sunday's surprise win by the New York Giants, an original NFL team, the Dow Jones industrial average fell 108.03 points, to 12,635.16.
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Philly Road Warrior: On some routes, flying costs are starting to take ...
Competition from low-cost carriers, the 2000-2001 recession and older airlines' labor-cost cuts have pushed down prices. Service became a bigger issue for most of you. But interest in ticket prices may go up again, considering what two major carriers have done in the last couple of months on the Philadelphia-to-Boston route. As noted in comments on the Road Warrior blog, the round-trip cost to fly nonstop on US Airways or Delta Air Lines between PHL and Boston's Logan Airport is roughly $1,000. Early last fall, the same round-trip flights usually ranged from $200 to $300. One Road Warrior blogger suggested he could hire a cab to drive him to Boston and back for a thousand bucks. (Check out the comments at http://go.philly.com/roadwarrior.) The reason: AirTran Airways left the route in November, and the remaining so-called legacy airlines quickly jacked up the fares.
Community Chest
This "rails to trails" project, due to be complete in May, will link Eastern Market with the new parklands set on the Detroit River. Though many of the bridges spanning the trench will likely have to be replaced, much of the spectacular graffiti on the concrete bridge bases is to stay. And the restored overpasses would remove one more boundary, linking long-separated neighborhoods, which should change the area's tone for the better. Best Way to Watch your Tax Dollars Disappear
Detroit's light pole protection program
In 2004, we took snide note of the city's $1.2 million effort to protect streetlights from wire-stealing scrappers by installing easy-to-lift plastic covers, called "shrouds," on 21,000 light poles in the city of Detroit. At that time, Al Fields, the city's deputy chief operating officer, told us the shrouds were intended to both improve the look of street lamps and thwart scrap thieves who crave the copper wiring inside.
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Stocks Extend Losses In Midday Trading
Last month, NYSE Euronext agreed to buy the American Stock Exchange for $260 million in stock. Goldman Sachs Group GS gave up nearly 2% in the pre-open. Oppenheimer & Co. cut the investment bank to perform from outperform based on valuation. Oppenheimer also lowered its full-year earnings forecasts for 2008 and 2009. Yahoo YHOO lost 1% in pre-open trading. Banc of America Securities cut the Internet search firm to to neutral from buy, saying Yahoo (NASDAQ:YHOO) would face stiff regulatory hurdles if it accepts Microsoft's (NASDAQ:MSFT) MSFT $44.6 billion buyout offer. But BofA raised Yahoo's price target to 31 from 26. Yum Brands YUM gave up 2% in the pre-market. Late Monday, the operator of the Taco Bell, Pizza Hut and KFC chains reported a 5% rise in Q4 earnings, its weakest performance in eight quarters.
Ralph Kiner - 1955 :
Teams with the most money have the edge. Yea, teams with low payrolls have had success, but it's always been short lived. Teams with high payrolls may not win the World Series every year, but they are always in contention. Teams with low payrolls have to re-build. Teams with high payrolls only have to re-load. This is not right! In my opinion there are three reasons why Major League Baseball still does not have a salary cap...(1) A strong players union, (2) Weak Ownership, and (3) Poor leadership at the top. Unbalanced Schedule: I know Major League Baseball is trying to promote rivalries with the current unbalanced schedule. However, playing same division teams eighteen times a year is a bit much. Hey, we all like the Yankees/Red Sox rivalry, but enough is enough! I'm not saying that a balanced schedule is needed, but I'd like to see it a little less unbalanced.
Not the finest hour
All in all, not the first minister's finest hour in the Holyrood chamber. Indeed, notably uncomfortable as he faced persistent questioning over the Trump golf resort application. To recap, the plan affects Alex Salmond's own Holyrood constituency. He is therefore barred from intervening as first minister. As a minister, he cannot comment either in favour or against the plan. The scheme was rejected by an Aberdeenshire Council committee on the casting vote of that committee's convener. Mr Salmond subsequently met representatives from the Trump organisation at their request, at the Marcliffe Hotel in Aberdeen where the Trump team has based itself. Mr Salmond says he was duty-bound, as a local MSP, to respond to that request. The following day, the application was called in by the Scottish Government for decision.
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