I am unemployed looking for a job and owe over ,000. I am desperate.

Technorati Tags: looking for a job

I purchased a Condo in Florida (investment property) at the height of the real estate market. The purchase was made with a friend as a joint owner. As luck would have it, my partner lost her job a couple of years ago and cannot pay her half anymore and is proceeding into bankruptcy.

Obviously, I am liable for the loan and am searching for any alternatives, either short term or long term. The Condo mortgages along with my personal residence mortgage is 48% of my gross pay. At this rate, I’ll eat up my savings within six to nine months. I am current on all payments. The value of the property was financed at 90%, with a mortgage and HELOC. Both are interest only loans. The current value of the property is 72% of the loan amount.
This means the value of the property is currently about 65% of what we paid.

We have been renting the unit as a vacation rental, but only have been able to rent it about 25% of the year. It generates enough income to cover about 20% of the cash outlay. Long term rental prospects are slim.

Any thoughts on how to either keep the property and minimize damage or is foreclosure an option I need to consider down the road? Is a loan modification possible, even on investment property? My credit score is very good at 805, so I guess I would sacrifice that as well.

I’m not looking for an easy way out, I just want to understand all my options.
thanks
The condo is in Panama City and I am working as an engineer in Georgia about 350 miles away. So, a business in the unit is not really an option. I guess another investor is an option. 50% ownership at 25% of the cost. That may work.

The the intent was to rent about 200 days a year, however, the rental market in this area was saturated with new condos, thus only able to rent about 3-4 months a year at best. Additionally, the with the hurricanes several years back, the insurance and property taxes more than doubled, which was not anticipated.

Technorati Tags: 4 months, bankruptcy, cash outlay, credit score, current value, engineer, florida investment, foreclosure, gross pay, hurricanes, interest only loans, investment property, loan modification, new condos, nine months, panama city, personal residence, property taxes, prospects, vacation rental

We are having trouble making payments. We have reduced what we buy. how often we go out, and even our phones and cable are on the lowest plans. This debt is just to much. The credit score we have is great but I’m afraid to mess it up. I don’t think bankruptcy is for us. I just heard that either of the alternatives can be just as bad… I really need some advice. Never been in a situation like this before!

Technorati Tags: bankruptcy, credit score

….after you get sued for building a faulty house for someone. The judge is in favour of the plaintiff, whose house you built. He rules that you must pay them ,000 to compensate for the cracks in the ceilings & walls and various other mishaps. You then, like a b*tch, file for bankruptcy. Don’t know how to phrase this, but: your claim for bankruptcy is accepted.
Replace the you with defendant. What prompts me to ask this is that the defendant walked out of court saying "You’re not getting one cent" to the plaintiff. Which, for comedic effect, i will add that he got punched in the face :L
Questions:
1) How does the plaintiff get his compensation, in civil law or whatever area of law? Are there alternative ways to gain compensation for this issue other than suing? Obviously the suing did not work out? Like for e.g. in criminal cases you can go to the Victims Compensation Tribunal if suing civilly does not work in your interests.
2) Does the defendant (in bankruptcy) have to sell all his assets and every cent of his future income goes to paying the defendant the compensation? Its only fair..
3) Does he get off scott free?

Thanks in advance Would appreciate it if any lawyers on yahoo could lend a hand in releasing me from confusion and unknowledgability.

Ps. The jurisdicton is NSW, Australia.

Technorati Tags: amp, assets, bankruptcy, ceilings, civil law, confusion, cracks, defendant, favour, free thanks, lawyers, mishaps, nsw australia, phrase, plaintiff, tch, thanks in advance, victims compensation tribunal, yahoo

hello…
I’m a 22 years old single mother and I’m in debt. I have so many pass due bills like cell phone bills, traffic tickets, etc… my credit score is like 300-350. i don’t wanna file bakrupt and i don’t have the money to pay all these bills. Are there any alternatives to filling bankruptcy. Please help
WOW… HOW RUDE

Technorati Tags: 22 years, bankruptcy, cell phone bills, credit score, due bills, money, single mother, traffic

I am an undergraduate student at a major American four-year university, where I study Computer Science in my Senior year. I am preparing to graduate on-time and with a GPA of approximately 3.4. I am highly involved in academia and extra-curricular research. I have a genuine passion for the subject matter, which is not reflected in my still-respectable grades. I am particularly interested in the fields of cryptography and data security, and intend to do research with my professors my senior year, and hopefully publish, which is not something every undergraduate student can say.

I have no intentions of leaving the academic environment yet. I am simply learning too much and "having too much fun", if you will (and I don’t mean partying, either). I have no desire to leave this environment for a stagnant middle-class work-force employment, and thus am preparing to apply to various institutions in pursuit of my Masters.

This is the largest crossroads I have reached in my life, and I intend to utilize it to the fullest.

Looking around me, I am extremely disillusioned with the current American lifestyle. I can look out my window every morning in the middle of rush-hour and see grid-locked cars for as far as the eye can see in every direction, all at a dead stop, and no reasonable public transportation alternatives, thanks to the big oil corporations that seem to run our country. Driving is terrible, dangerous, stressful, and I do not enjoy it. I wish I didn’t even have to own a car, let alone drive it every day, but it seems this society has evolved in such a way that you cannot be perceived as a successful, well-rounded individual without owning a giant gas-guzzler.

I’m watching the giant corporations that have built this country out-source all their labor overseas, leaving our citizens bereft of gainful employment. Then these same businesses declare bankruptcy, abandoning what employees they have left, while their CEO’s pleasantly depart with multi-million dollar personal severances.

I’m watching the average intelligence of the American citizen steadily decline, fed by the constant stream of fear-mongering, FUD, and mindlessly stupid "entertainment" that’s spoon-fed to them by American media.

I’m watching the government slowly and inexorably violate every one of our civil liberties and constitutional freedoms in the name of keeping us safe. I’m watching laws get proposed and passed without objection that would treat us like criminals, criminals that are guilty until proven innocent.

More relevantly, I’m watching my peers, those who are genuinely passionate about things like free and open-source software, freedom of information, and effective transparent security, muscled out of the industry by the posturing and threats of the MPAA and the RIAA. I’m watching copyright law and the DMCA slowly strangulate the innovation and freely-discussed invention that has carried technology this far.

I don’t want to live in, or raise children in, this environment.

I’m done. This game sucks. I want out.

I am looking to utilize this opportunity to apply to earn a Masters degree overseas in another country, and hopefully find a way to stay. I will admit to not being as worldly as I would like, and am seeking guidance as to where to begin my search.

I am seeking a country with a flourishing and prosperous technological industry, with major academic institutions that are very active in Computer Science research and development, and are adequately funded.

I am seeking a country with a robust public transportation system and, I would imagine, the relatively low percentage of car ownership that comes along with that.

I am seeking a country with the copyright law and civil liberties protections that will become more and more relevant to my personal prosperity as I continue in the field of cryptography and mathematics.

I am seeking a country with an accessible and reasonable process by which I may one day hope to become a citizen.

I have previously taken classes in Latin, Spanish, and Japanese, and have found myself with a natural aptitude for learning other languages, although I never persisted in any of them long enough to develop an extensive vocabulary. I am prepared now, however, to seriously learn a second language, whatever language that is.

I am seeking guidance on countries to consider, languages to begin learning, schools to apply to, the process that is necessary to study abroad, skills to acquire that will prove useful, any American or foreign legal processes that are best initiated as soon as possible, and any other relevant recommendations to what is going to be the largest decision of my life.

Technorati Tags: academic environment, american lifestyle, cryptography, curricular research, data security, force employment, gainful employment, gas guzzler, genuine passion, giant corporations, giant gas, gpa, middle class work, oil corporations, partying, public transportation, rush hour, senior year, transportation alternatives, undergraduate student

I am considering filing for bankruptcy due to extensive medical bills. I have a car that was totalled, but I owe ,000. I had a co-signer sign for the car. Does anyone know what happends to that person after i file?

Do I get to keep the car? The car has no value and barely drives.

Also does anyone know of inexpensive alternatives to using a bankruptcy lawyer. In california we had a legal document service called "We the People" I am residing in TX.
Can i do the paperwork myself?

Technorati Tags: bankruptcy lawyer, co signer, document service, filing for bankruptcy, inexpensive alternatives, legal document, medical bills, paperwork

I have about 23,000 in unsecured credit card debt. I recently lost my job and had to take one making a lot less per month. I went a debt consolidation program that got my payment down to about 700.00 per month. The problem is i am only bringing home net about 1200.00. I then have a mortage utilities and insurance etc so i am running in the hole. Is debt settlememt a good alternative. I do not want bankruptcy . I know settlement will hurt my credit score but at this point I need a way out. I have heard that settlement companies make you hold off on payments and the credit card companies will keep hounding you? Is this true? Does anybody have a suggestion to my dilema

Technorati Tags: bankruptcy, bringing home, credit card companies, credit card debt, credit score, debt consolidation program, dilema, insurance, job, settlement companies, suggestion, unsecured credit card

I have been looking at my options, and Bankruptcy is the most logical. What are my alternatives and why?

Technorati Tags: bankruptcy

I was scammed useing paypal 00 I recently sold a gaming account and i made a purchase already. my account is -00 And i can not afford to pay it off. What can happen to me and will i go to jail? They filed a claim stateing that the paypal account they used was someone elses. And if they paid with a credit card useing paypal. paypal will not let me win the dispute because of there eula wich states they will not interfier with other payment options in there system. The account that i sold is against the games eula aswell your not alowed to sell the account or buy it. If paypal files a claim to the collection agency against me will i go to jail if i can not pay it? I can not afford it i needed the money hense why i sold the account in the first place. Can i go to jail for this? Can i file bankruptcy as an alternative towards this if the matter escalates into something serious?

Technorati Tags: bankruptcy, credit card, escalates, games, gaming account, hense, money, payment options, paypal account, someone elses, stateing

http://www.youtube.com/watch?v=jCjM2leF5F8

While expanding his micro-chip business, billionaire Dr. TJ Rodgers was asked if he wanted solar panels on the roofs of his new facilities and answered: "If it makes money, do it. If not, don’t."

The seller demonstrated that it did so the billionaire, keeping an open mind, went for it and has had no regrets. He even bought the outfit that made the panels (rescuing them from bankruptcy) and is making tons of cash.

But don’t take it from me, now. Let the guy speak for himself. He’s real. Not an actor or a ghost.

…

I realize it’s a long video. But when you get a chance, watch as much of it as you can. It’ll make you wonder how alternative fuels ever became a liberal vs conservative issue.

Technorati Tags: alternative fuels, bankruptcy, billionaire, chip business, ghost, money, no regrets, roofs, solar panels

I am severely underemployed, making minimum wage, 20 hours per week. I used to make more money and was given credit which I used, to the tune of ,000 in unsecured debt. Between my rent and utilities expenses, I can’t make my minimum payments to my creditors. I am striving to improve my employment status, but until I succeed with that, what can I do? I have no assets to sell and {content} to pay to debt consolidators and in payment plans. Is there any way to put my debt off for a few more months, or should I start thinking seriously about personal bankruptcy?

Technorati Tags: assets, creditors, debt consolidators, employment status, minimum payments, minimum wage, money, personal bankruptcy, unsecured debt

How come cons only offer obstruction and no alternative? How are we going to be able to handle over 50 million uninsured Americans? Health care costs that are sky rocketing, bankruptcies due to health care costs through the roof, emergency rooms with 12 hour plus waits for urgent problems…..

Or do cons think there is no problem and feel like sticking their head in the sand and protecting the rich and corporations is what is best for America?
Notice no solutions are being offered…come on in your own words people give me the fixes.

Technorati Tags: 50 million, bankruptcies, corporations, emergency rooms, head in the sand, health care costs, sky, uninsured americans health care

To sum it up I was forced to drop out of school about a year ago because my parents went bankrupt in the middle of my first semester. I had just transferred in to my dream school (an expensive private university) and had counted on my parents co-signing a loan with me. However, they had not told me that the business they had invested thousands of dollars in had gone under so when it came time to apply for a loan and pay the university for my first semester and register for the next semester’s classes I was told there was no way they could afford it. In shock and without financial or emotional support from them I left the school and moved in with my grandmother. I didn’t handle payments with the school immediately because I had no idea how to go about it and assumed they would arrange it.

After that semester I also returned to a junior college and completed requirements to transfer in to a more affordable, state school. This last fall I began a new semester at the new university feeling excited to be back in school. However, now that it is time to register for the upcoming semester’s classes I am being told that without the transcript from the first university I cannot come back to school in the Spring (the requirements for transfer students is to submit ALL transcripts from previously attended schools by the Spring) I contacted the previously attended school to discover I had been put in collections (notices had been sent to my parents home, warning of this, and my parents had never told me). They refuse to give me a transcript without paying the amount in full which is over 10,000 dollars. I have set up a payment plan with the collections agency but again, without paying it all at once, I will not get the transcript and therefore cannot finish school at the university I currently attend. I have tried applying for a loan but as a student I do not qualify for that amount without a cosigner, which I do not have. I don’t know what to do…I have tried contacting everyone imaginable, the president of the previous university, counselors, the head of admissions at my new school, and family members but no on offers me any help or alternatives. I feel so incredibly helpless and all I want to do is finish school.

Does any one know of a lender that approves student loans without a co-signer? Should I file for bankruptcy? Contact a talk show and see if they’ll give me money?? I’D DO ANYTHING TO FINISH SCHOOL! PLEASE HELP!!

Technorati Tags: collections agency, cosigner, dream school, emotional support, grandmother, parents, private university, shock, thousands of dollars, transcripts, transfer students

http://www.youtube.com/watch?v=nAGzLfmV4Ks

"The 0 billion bailout for Wall Street, is driven by fear not fact. This is too much money in too a short a time going to too few people while too many questions remain unanswered.

Why aren’t we having hearings on the plan we have just received? Why aren’t we questioning the underlying premise of the need for a bailout with taxpayers’ money? Why have we not considered any alternatives other than to give 0 billion to Wall Street? Why aren’t we asking Wall Street to clean up its own mess? Why aren’t we passing new laws to stop the speculation, which triggered this? Why aren’t we putting up new regulatory structures to protect investors? How do we even value the 0 billion in toxic assets?

Why aren’t we helping homeowners directly with their debt burden? Why aren’t we helping American families faced with bankruptcy. Why aren’t we reducing debt for Main Street instead of Wall Street? Isn’t it time for fundamental change in our debt based monetary system, so we can free ourselves from the manipulation of the Federal Reserve and the banks? Is this the United States Congress or the board of directors of Goldman Sachs? Wall Street is a place of bears and bulls. It is not smart to force taxpayers to dance with bears or to follow closely behind the bulls."
jeremy: Yeah, that’s a good speech, too!

Technorati Tags: american families, bailout, bankruptcy, bears, board of directors, bulls, debt burden, federal reserve, fundamental change, goldman sachs, manipulation, monetary system, new laws, premise, reducing debt, regulatory structures, speculation, taxpayers, united states congress, wall street

just consider this thought.

You have been recently hired to the Florida Virtual Water Management Board. As a new member your first task is to consider if your community should construct a dam. The purpose of the dam is to increase the community water resources for the growing population and lift current water restrictions that are in effect. The dam will also provide the community a cost efficient method to generate electricity; however, these benefits come with a high environmental and economic cost. By constructing the dam, you will destroy local ecosystems and drive some small businesses to bankruptcy.

keep the following question in mind,As you weigh these factors.

Do the needs of a community outweigh future environmental and economic consequences?

If you are pro dam construction, discuss why the needs of the community are more important than the environmental and economical consequences that will be incurred,OR, If you are against the construction of the dam, discuss why the environment should be considered more highly and offer some alternatives for increasing water resources.

Technorati Tags: bankruptcy, community water, dam construction, economic consequences, ecosystems, electricity, new member, population, small businesses, virtual water, water management board, water resources, water restrictions

I had some properties foreclosed. Now, the bank wants me to pay a very big difference on each properties. Is bankruptcy the only option? Lawyers said we’re making too much for Chapter 7. Any alternatives?

Technorati Tags: bankruptcy, chapter 7, lawyers

Rhttp://grid.ontheissues.org/Issue_Grid.htm
Click on the Icon for documented evidence

Abortion
HC – Safe Legal & Rare
BO – Yes on Roe; Yes on Stem Cells

Budget & Economy
HC – Balance Budget, Pay Down Debt
BO – Pay as you go, Regulate Mortgages

Civil Rights
HC – Pro-Gay rights and Women’s rights
BO – Strong civil unions & affirmative action

Corporations
HC – Limit Bankruptcies & corporate Welfare
BO – Close Loopholes; reward domestic jobs

Crime
HC – 3 Strikes OK; DNA required.
Alternate sentencing; Restrict Death Penalty

Drugs
Treatment & Drug Courts
BO – Understand Drug Abuse

Education
HC – Support Public Schools; No Vouchers
BO – Merit Pay; Free College

Energy & Oil
HC – Ratify Kyoto
BO – Increase CAFÉ; alternative fuels

Environment
HC – Fund EPA & Clean Air
BO – Protect National Parks; Reduce Mercury

Foreign Policy
HC – Focus on Peace
BO – Strengthen NATO; More Foreign Aid

Free Trade
HC – Humanization plus Globalization
BO – No CAFTA; Fair Trade, (not free trade

Technorati Tags: 3 strikes, affirmative action, alternative fuels, balance budget, bankruptcies, civil unions, corporate welfare, death penalty, drug abuse education, drug courts, foreign aid, foreign policy, gay rights, issue grid, kyoto, loopholes, national parks, roe, stem cells, vouchers

I bought my car at California Buy Here, Pay Here lot. I love the car but after three months almost four now, they still can’t get the financing to go through and keep running my credit. I put down 00 and have been paying faithfully month 0 based off the terms the Buy Here Pay Here lot wrote the contract for. I am about to file bankruptcy now and was hoping to keep this car. Now my attorney said that she is listing the car NOT to Reaffirm but to retain collateral and continue making payments. This so I can turn in the car at any point in time if I need to after the discharge without them being able to sue me later on. She also told me that there is NO valid legal contract because the financing company denied me NOT once, but twice and so the contract I had signed is null and void. I want to know, since this is the case, can I go back, turn the car back in and get all my money back? I put down 00 and have made 0 in payments so far. There is no in-house financing, I didn’t sign anything else. ALSO, she did a blue book and found that the car has dropped in value since purchase, can I renegotiate the price? They also refuse to get registration done on the vehicle because they said they need to get it financed. Help! If there are other alternatives, please let me know!
After making some phone calls, I have found all replies to be wrong. I just got a call yesterday stating they can’t get the car financed after three months. The dealer has lead me on to this point thinking everything has been done and they informed me they have forwarded my payments to finance company. Just to find out I have no finance company. Yes, I have insurance. I am passing this new information on to others as they have been clueless as I was until now. You can research this info yourself:
If the car dealer cannot find someone to buy your purchase contract, it can cancel the purchase contract, BUT it must notify you within 10 days of the date on the purchase contract! If it does not, then the purchase is FINAL and cannot be cancelled. It states on the back of the contract. I found out:
I do not have to turn in the car and they have to "honor" the contract and in-house finance it. They have been taking and accepting payments up until now and they must continue to do so.

Technorati Tags: bankruptcy, blue book, car dealer, collateral, financing company, insurance, legal contract, money, point in time, purchase contract, three months

I just was watching news ticker on bloomberg channel and it says ”that oil is expected to rally/go up to or higher before mid-summer because of demand rebounding.What is all of this nonsense when we are in a global recession,people losing their jobs left and right,’’supposed to be conserving energy”,’’supposed to switch on to alternative energy & off-shore oil drilling”(what pres.obama promised in his campaign),auto makers possible bankruptcies and more possible lay-offs,people ‘’supposed to have been driving less”,and supposed to be buying small compact fuel efficient hybrid type vehicles.Were you’ll serious about carrying out these stuff or were these just empty threaths that played right into opec trap?
Will it be like 2007/2008 and wait until crude oil get back to over 5 a barrel then make more false threaths to OPEC with absolutely little to no action to back it up?

Technorati Tags: alternative energy, amp, auto makers, bankruptcies, compact fuel, conserving energy, crude oil, global recession, hybrid type, jobs, lay offs, news ticker, nonsense, oil drilling, opec, shore oil, type vehicles

OK. 5 years back we got into a problem with a business and had to file for bankruptcy. 5 years later my son needs a car. We found a great reliable car for 8,000 USD and when we applied for a loan from the bank they told us they could’nt give us a loan until the bankruptcy had cleared but we could go to court and try to get approved. We are 90% done with the payments. We are bringing in 110,000 dollars a year and doing well. What are the chances of getting approved and are there any alternatives to going to court? Any other advise?
Family of four, bankruptcy payments, other spending, and a deadline for the car is pretty soon limits the option of saving it up.

Technorati Tags: 5 years, bankruptcy

to refuse to sell when a reasonable offer has been made? This is what is happening close to where I live. Along with hundreds of others in the timber industry losing their jobs. Pilgrims Pride stated that they wanted to make the glut of chickens go away so chicken prices could be raised. To me that just is not right!!!

This was in out local paper:
Pilgrim’s Pride’s northeastern Louisiana employees and chicken growers were left in limbo today as the company remained quiet about the latest million offer to buy the company’s Farmerville Processing plants.

State Sen. Mike Walsworth, who has been joining daily meetings of Gov. Jindal’s Pilgrim’s Pride Emergency Task Force, said that there were no new developments today.

Pilgrim’s Pride didn’t return calls or an e-mail requesting an update on the status of the company’s decision.

Meanwhile, the Louisiana Workforce Commission has scheduled a series of meetings on Monday through Thursday for the 1,300 workers who will lose their jobs if the complex is closed as scheduled in April.

The Workforce Commission will also open a transition center on March 24 at the Pilgrim’s complex for the workers, where services such as job placement assistance, job counseling, job search workshops, unemployment insurance and other supportive services will be offered.

All Workforce Commission services are free.

Jindal and his staff have been working to broker a deal for Foster Farms of California to buy the northeastern Louisiana Pilgrim’s operation, with Foster Farms putting up million and the state investing million.

The governor said that Foster Farms would also invest about million in new equipment and agree to keep the work force intact for at least five years.

Pilgrim’s Pride, which declared bankruptcy in December to reorganize, rejected the first million offer from Foster and the state earlier this week, but took the million offer under consideration.

“Discussions continued (Thursday) between Pilgrim’s Pride and Gov. Jindal and his staff regarding the future of the company’s Farmerville complex,” Pilgrim’s spokesman Ray Atkinson said in a written statement on Thursday. “A revised offer was formally presented to the company (Thursday), and several potential alternatives were also discussed. At this time no agreement has been reached and no offer has been accepted.”

State officials said Pilgrim’s executives originally said the company valued the plant at between million and million.

Jackson said the company is closing the complex because of a glut of chicken on the market.

Louisiana Attorney General Buddy Caldwell said this week he is looking into potential violations of Louisiana Unfair Trade Practices Act by Pilgrim’s Pride based on the possibility that the company could be trying to manipulate the chicken market by closing the plants.

Caldwell spokesman Tammi Arender Herring said the attorney general is also investigating whether Pilgrim’s Pride is violating bankruptcy laws by holding up the sale of the complex.

Technorati Tags: chicken prices, e mail, emergency task force, farmerville, first million, glut, jindal, job search, least five years, louisiana workforce commission, mike walsworth, monday through thursday, northeastern louisiana, pilgrim, placement assistance, search workshops, supportive services, timber industry, transition center, unemployment insurance

Seeing as to how Obamacare is heavily debated and let’s be honest the GOP haven’t put a viable alternative so what are your thoughts on some reform

What should be the main goal of health reform in the US, should it Decrease the cost of health care, Improve the quality of health care, Improve the access to health care or make most Americans receive at least basic free public care. What would it be like for the US if an Australian system like the Medicare service is implemented where all taxpayers pay a 1.5% income tax levy (with exceptions for low-income earners), an additional levy of 1% is imposed on high-income earners without private health insurance. There is also a private health system where people pay for health insurance to go to a private hospital if they wish for quicker service. Bankruptcies from lack of funds to pay for medical bills is the largest reason for personal bankruptcies in the US accounting for over 60 % of all bankruptcies, while in Australia it is almost negligible.

Check out these videos for some information:

http://www.youtube.com/watch?v=ObhifImr4G8

http://www.newscientist.com/articlevideo/dn17512/30590602001-the-scientific-arguments-for-us-healthcare-reform.html

So what do you guys think?

Technorati Tags: access to health care, cost of health care, exceptions, gop, health insurance, health reform, health system, healthcare reform, income earners, income tax, main goal, medical bills, medicare, medicare service, personal bankruptcies, private health insurance, private hospital, quality of health care, tax levy, taxpayers

Readability Formula: As the text suggests, writers will want to make the content easy to read by simplifying ideas, organizing them logically, and laying out the document in an appealing way. Refer to the Gunning Fog Index and the Flesch Reading Ease Scale to calculate readability formulas. In addition to the course text, search the Internet for information regarding readability formulas.
Good Style: This scenario deals with bad news (a negative message). Not only will classmates be missing out on the trip to Mexico, but they will also lose their deposits. While it is important to be honest, the structure of the message is important. Building Goodwill: The writer of this message is merely the messenger; the situation is out of his/her hands. Although reimbursing classmates would be ideal, the bus company is filing for bankruptcy and may not have much to offer. What other alternatives might be possible?
The writer should also try to determine the audience’s initial reaction, the amount of information required, positive aspects that can be emphasized as well as obstacles that must be overcome, and expectations of the audience.

Technorati Tags: audience, bad news, bus company, classmates, filing for bankruptcy, flesch reading ease, flesch reading ease scale, goodwill, gunning fog index, initial reaction, negative message, obstacles, readability formulas, scenario deals, text search, trip to mexico

How would you solve our foreign diplomacy problems? Bomb all of our enemies? Do we start nuking Korea, Iran, Iraq, Egypt, Pakistan, Palestine China. Would that solve it? Then what do we do with all those dying people?

How would you solve our financial problems? Let every company now fail, and all the banks fail? GM fail, all housing in foreclosure, and all people on the streets?

How would you solve our health care problems? (One in four bankruptcies is now caused by inability to pay medical costs). Would you just turn away anyone and everyone who is dying if they cannot pay? If they are in a car crash, do we let them die in the wreckage if they cannot show a medical insurance card?

I find lots of you on here are big to criticize, but I find no real alternative solutions.

Take one of these and discuss it.

Technorati Tags: alternative solutions, bankruptcies, banks, bomb, car crash, diplomacy, egypt, enemies, foreclosure, gm, health care problems, insurance card, iran, iraq, korea, medical costs, medical insurance, pakistan, palestine, wreckage

just consider this thought.

You have been recently hired to the Florida Virtual Water Management Board. As a new member your first task is to consider if your community should construct a dam. The purpose of the dam is to increase the community water resources for the growing population and lift current water restrictions that are in effect. The dam will also provide the community a cost efficient method to generate electricity; however, these benefits come with a high environmental and economic cost. By constructing the dam, you will destroy local ecosystems and drive some small businesses to bankruptcy.

keep the following question in mind,As you weigh these factors.

Do the needs of a community outweigh future environmental and economic consequences?

If you are pro dam construction, discuss why the needs of the community are more important than the environmental and economical consequences that will be incurred,OR, If you are against the construction of the dam, discuss why the environment should be considered more highly and offer some alternatives for increasing water resources.

Technorati Tags: bankruptcy, community water, dam construction, economic consequences, ecosystems, electricity, new member, population, small businesses, virtual water, water management board, water resources, water restrictions

I didn’t realize that my 2nd mortgage was not included in the Chpt 13 Bankruptcy filed 3 yrs ago. It was a stupid mistake on my part and I am going through a horrible situation because of it now. I haven’t heard from the mortage company since before the bankruptcy, 3 yrs ago, and had no reason not to think the loan ws not included, until out of the blue, I receive a phone call last week, demanding the balance in full. Imagine my surprise! I made a terrible mistake! I would have never let this happend had I realized. Anyway…regardless of that, I am left with a loan, with a major delinquency. It is in default and considered a delinquent mortgage. The loan is 35,000 , originally 27,500. and growing by the minute! I don’t know what to do! I don’t have the money anywhere, we are trying to rebuild credit, there are no alternatives for me that I can see. Can someone help me? Im so confused and absolutely scared to death. My 1st mortgage is in perfect standing. I welcome all comments!

Technorati Tags: chpt 13 bankruptcy, delinquency, delinquent mortgage, happend, horrible situation, money, mortage company, out of the blue, phone call, stupid mistake, surprise, terrible mistake