07.07 2010

Workers Making Healthier Choices During Recession

The resounding effects of the economic downturn have some workers making healthier choices when it comes to lunch breaks and smoking habits during the work day. According to a new CareerBuilder survey, 47 percent of workers report they have been packing a lunch more often to eat healthier or help save money. When it comes to smoking habits, 44 percent of workers who smoke said they are more likely to quit smoking given today’s economic conditions.

In addition, one-in-five said that they have decreased the number of times they smoke during the work day (21 percent) or actually quit altogether (20 percent). T

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Posted by Jeremy Lee
Tags: Choices, Healthier Choices, Making Healthier, Making Healthier Choices

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07.07 2010

Saving Money on Your Car Loan Payments


“With more and more Americans looking for ways to save money, many experts say that auto refinancing is a new trend that’s here to stay.” – MSNBC

It’s true: by not refinancing your car loan you’re just leaving money on the table, or – if you prefer – in the driveway. Don’t just take my word for it: here’s what Bill from Nashua, NH had to say after he refinanced his car loan using MoneyAisle:

“The loan I found through MoneyAisle cut my interest rate in half from 8.9% to 3.9% with the same loan term length. This will save me over $1000 over the life of the loan! The refinance process was very simple and done over the phone and through e-mails in less than a week.”

Pretty impressive, eh?

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Posted by Gregory Moore
Tags: Car Loan, Loan

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06.07 2010

How to LEGALLY avoid paying income tax when settling debts for less than the full balance

I have a client who is considering settling and I did some research:

You do NOT owe income tax after settling collections if you were INSOLVENT

Because the MORTGAGE and the value of the home are included in the insolvency calculations, MOST of the many millions with mortgages greater than the value of their homes qualify for the IRS exemption from paying tax on forgiven debt.

Just about all people with collections should NOT have to pay tax on discounts negotiated with creditors because they are exempt.  Obviously, wealthy people don’t have trouble paying their bills. 

Debt buyers rarely have the documentation to determine how much of the debt is principal and how much is interest, fees or penalties.  Since only forgiven PRINCIPAL is taxable, they can’t send out 1099s if they don’t know how much of the debt is for principal.

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Posted by Gregory Moore
Tags: Income Tax, Settling

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05.07 2010

Business Experiences During The Recession

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Guest Post: Thomas Hicks
In the summer of 2008, I did not have a care in the world. I was working remotely from a small island in the Mediterranean, for my families telecommunication business, located in the suburbs of NYC. My primary responsibility was to keep the website current and maintain a presence in the first few spots of google for anything related to our products or industry in general. It took considerable time and effort initially, to provide these results, but once firmly established it was a good gig for all involved. Quite a few leads came in on a daily basis, so everyone was comfortable in our existence.

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Posted by Jeremy Lee

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05.07 2010

HOME CLOSINGS MIRED IN CRUDE

“When the well started to flow, I knew what the capability would be, and it looked to me like it was going to spread everywhere and be at the mercy of the winds,” said Williger, a Texan who works in the oil business. “I really liked the unit, and really liked the price, and everybody was happy with everything.”

No one can quantify how many homebuyers are abandoning deals because they fear oil may come ashore in Southwest Florida, but it is happening.

Coldwell Banker Residential Real Estate says that six of its 22 sales that failed to close in late May and early June were on waterfront homes and the direct result of buyer qualms about the spill.

Realtors are reluctant to share such stories.

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Posted by Laura Hernandez

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03.07 2010

Job Market Forecast for Second Half of 2010

From CareerBuilder.com:

Job market will “stay the course” in second half of 2010, according to CareerBuilder and USA Today

Hiring in the second half of 2010 is likely to mirror the first half, according to CareerBuilder and USA TODAY’s latest nationwide survey of employers. Forty-one percent of hiring managers plan to hire in the months of July through December. One-in-five plan to hire full-time, permanent employees in the third quarter, similar to the previous two quarters. The survey was conducted by Harris Interactive© from May 18 to June 3, 2010. More than 2,500 hiring managers and human resource professionals and 4,400 workers across industries participated.

“Employers began recruiting at a moderate, but consistent pace in the first half of 2010 as confidence levels inched upward amidst a better global financial picture,” said Matt Ferguson, CEO of CareerBuilder. “The econo

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Posted by Jeremy Lee
Tags: 2010, Job Market, Second Half

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01.07 2010

North Port is spending while city is bleeding

Let’s start with Warm Mineral Springs, the health spa/archaeological tourist attraction the city commissioners decided to buy for $6.3 million.

Buying the springs to protect it from private development and protect public access makes sense, but the deal approved Monday would place it in private hands for the next 30 years, which isn’t exactly the same as outright ownership. A lease that long is asking for trouble.

The city has also left in the lurch a willing co-buyer in Sarasota County, which has the money and staff to manage the property. That could save more than $3 million just in the purchase price, but who’s counting?

Apparently no one, or the commissioners wouldn’t be mulling plans to build a regional water park.

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Posted by Laura Hernandez
Tags: City, City Bleeding

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