Sunday, June 3, 2012

Missouri Business- From Cities to Springs and Caves

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by BC Gov Photos Missouri Business- From Cities to Springs and Caves

Article by Howard Giske

Howard Giske writes about how to get your Missouri Incorporation and other business info at http://www.incparadise.com

Use and distribution of this article is subject to our Publisher Guidelines whereby the original author's information and copyright must be included.

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The Wait is Over ? 21st Century Personal Finance Tools Have Finally

The Wait is Over ? 21st Century Personal Finance Tools Have Finally Arrived!











Rochester, NY (PRWEB) May 31, 2012

With tens of millions of Americans struggling with consumer debt burdens and millions trying to save their homes from foreclosure, it is shocking that 19th Century personal finance tools remain the primary option for distressed households. Indeed, the lack of precise and realistic money management tools characterizes the personal finance education industry that is dominated by private banks, credit unions, higher education, nonprofit foundations, personal finance gurus, and especially federal and state government agencies. Even the President?s Advisory Council on Financial Capability has ignored its leadership responsibility to develop and promote more accurate and innovative approaches to personal finance in general and household budgeting in particular. Americans need and deserve so much more during this period of economic uncertainty.

The key question is why are financial institutions and even public agencies continuing to use antiquated personal finance software/methods and related budgeting/money management curricula rather than more practical approaches that address the complexity of contemporary household finances? In particular, why are American households encouraged to use gross income assessment tools when their economic reality is that household expenses must be paid from net income? Is there a reason that these personal finance tools provide the illusion of greater financial control and yet lead the average American to higher levels of consumption and ultimately consumer debt?

With this ongoing leadership crisis in the personal finance education industry, the DebtorWise Foundation is pleased to announce the release of its pathbreaking, net cash-flow budgeting/ personal finance Credit Counseling course that is based on the IRS 1040 federal tax guidelines. Rather than a ?one size fits all? approach to personal finance with its inherent imprecision, the DebtorWise Foundation?s money management software/curriculum enable consumers to: (a) specify the unique economic characteristics of their household, (b) calculate their monthly net income, and (c) customize a household budget based on the financial constraints of their net cash-flow. The key features include household size/structure, tax filing status, and state and local income tax liabilities. Furthermore, the DWF budgeting software is accompanied with a state-of-the art document management/data verification system.

According to Dr. Anita Butera, Esq, Director of Bankruptcy Education, ?it is striking that Americans are berated over their lack of personal finance skills. Yet, the so-called experts promote personal finance tools that are more appropriate for the age of the horse and buggy than the Ipad generation. At DebtorWise, we have harnessed the scholarly vision and academic precision of our founder?Dr. Robert D. Manning ?to better serve those Americans that desperately need our practical guidance and innovative budgeting software/courses/assistance.?

As Dr. Butera explains, ?Imagine trying to develop a budget based on gross income that ignores state and local taxes, itemized tax deductions, and even homeowner status. You can easily overestimate available household income to pay monthly expenses by 20% ? 25%. And, try evaluating whether a mortgage modification is affordable when you don?t know the net cost of lower loan (tax deductible) interest rates. No wonder so many hard working families are confused over balancing their budget ?with gross income?when they realize that they don?t have enough money to pay their bills at the end of the month! Is it surprising that so many people give up on their personal finances?? With the goal of bridging this informational deficiency, the DebtorWise Foundation is offering the first net cash-flow budgeting curriculum that is based on the IRS 1040 federal tax guidelines.

The DebtorWise Foundation is the nation?s leading innovator in online financial education courses and personal finance software. Founded by Dr. Manning, an internationally recognized consumer finance scholar, the DebtorWise Foundation is a nonprofit organization dedicated to providing affordable financial education to financially distressed and low-income households. It provides the pre-filing Credit Counseling and pre-discharge Debtor Education courses that are required by the Federal Court for filing consumer bankruptcy. Dr. Manning?s most recent monograph examines Walmart?s expansion into consumer financial services in the United States with a case-study of Banco Walmart de Mexico.

For more information contact:

Donna Slavin,

Director of Special Programs

d.slavin(at)debtorwise(dot)org

(585) 270-8398

###

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Aftermarket replacement Rims and Tires Help Your Car Or Vehicle ...

Mobile entertainment shops arent just about automobile stereos any more: which has a a lot of different portable electronics available-from automobile video to far off starters to course-plotting systems-your local store likely supplies a full range of vehicle electronics. You might be surprised to learn they will probably in addition carry a huge selection of aluminiowe felgi and automobile. Your solution for complete auto customization inside and also out, most audio shop is also almost all wheel retail outlet!

Lets face it, factory added wheels are just plain boring. After market wheels and auto tires may be a great way to get the polishing off touch on your car personalization or reveal the functionality you want in the car or truck. Your plan of action in rims and tires are usually practically inexhaustible:

Custom made rims and four tires Very low upvc profile four tires Cord tires Stainless tires African american wheels Best spinner software And even more!

Car or truck electronics and steering wheel shops have a wide range of wheels and tires offered, providing you with superior option and choice. Many possibly offer adapters this enable a new consistent rim for taking larger wheels in addition to 5-nut to 6-nut adapters. For your upgraded or performance tires, theres a choice available which perfect for your vehicle and your flavor. Delivering both sales in addition to installation on the selection of top-quality rims and four tires, your neighborhood mobile electronic products shop can help you get the rims which might be ideal in your case.

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Business:Job-Search-Techniques from EzineArticles.com

Business:Job-Search-Techniques from EzineArticles.com

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Friday, June 1, 2012

Jill Lawson: Many Americans Are Content With Early Death Due to Inactivity

The news is layered with a plethora of studies that suggest living an inactive lifestyle is deadly. Many of us know, yet few are willing to admit, that sitting, being sedentary, and living a computer-bound life lead to early death. These facts are so startling, yet there are still so many struggling with adopting an active lifestyle.

Throughout my 20-year career as a fitness specialist and a yoga instructor, I have heard excuses that range from not being comfortable with breaking a sweat to being highly intolerant of pain (as if exercise is that agonizing). Many have fallen into the trap of using a holiday or some national event as a reason to eat in excess, and are undeniably proud of it. I will never understand why the appeal of being a lazy consumer overrides the benefits of being a healthy human being.

Americans are way too sedentary, and a staggering amount of people are given a diagnosis of some kind of preventable disease. Adult-onset diabetes, heart disease, and postural complications due to inactivity are just a few examples of conditions that could be avoided. It seems quite obvious that we need to utilize our precious brain cells and start taking care of our destiny. If not for longevity, we can at least take charge, and experience an increase in our quality of life, so we can enjoy our allotted time on earth rather than racking up a huge medical bill itemized with drugs and medications that make us feel awful.

There is no easy cure. I wish I could sell the world a product that would make everyone healthy and in return make me rich, but the fact of the matter is that it is up to the individual to make informed choices and carry on with the appropriate action. I am not into duping the desperate and the ignorant to make a quick buck, like so many money-hungry entities.

What I will suggest however, are some simple concepts that will hopefully plant the seed and motivate those in need of a health makeover. I would like nothing more than to see more people step outside of their comfort zone and breathe new light into their lives.

The following are a few of my favorite quotes that have struck me with a genuine desire to take care of my health. I wholeheartedly wish they would instill the same in others.

"The devil has put a penalty on all things we enjoy in life. Either we suffer in health or we suffer in soul or we get fat." -- Albert Einstein

The illusionary gratification of indulgence is a clever lure toward doom. The temptation of pleasure, whether it is from excessive eating or lazy or reckless behavior, does exist. A little discipline won't kill us, but giving in just might.

"Without health life is not life; it is only a state of languor and suffering -- an image of death." Buddha

Were you born to suffer? I think not. Take charge and enjoy your life. You are the only person who is held accountable for your actions, so make it a habit to take care of yourself.

"Leave all the afternoon for exercise and recreation, which are as necessary as reading. I will rather say more necessary because health is worth more than learning." Thomas Jefferson

Get up, get out, and do something good for yourself. The benefits are greater than what you might see from a product sold on TV, or from what you might learn from watching Dr. Oz, or perhaps find out while you are just sitting and surfing the Internet.

For more by Jill Lawson, click here.

For more on fitness and exercise, click here.

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Follow Jill Lawson on Twitter: www.twitter.com/jilllawsonyoga

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Seattle shooter who killed 5 was 'disgruntled,' dad says

The father of the man who opened fire and killed five people across Seattle, and later killed himself after a citywide manhunt, says his son was a very private person who was "disgruntled" and that he was a frequent customer at the coffee shop where his rampage began.

"He was happy sometimes, but not really. He was kind of disgruntled," Walt Stawicki said about his son Ian Stawicki, who fatally shot himself after a killing spree on Wednesday.

Seattle's Harborview Medical Center confirmed that Ian Stawicki, who according to his father was unmarried with no children and had recently worked on a fishing processing boat in Alaska, died at 6 p.m. PDT Wednesday.

After the shootings began at approximately 11 a.m. PDT, when Stawicki opened fire at Cafe Racer Espresso in Seattle's University District, eventually killing four people, he killed a fifth random woman in a subsequent confrontation and stole her car.

Two victims died at the scene at Cafe Racer Espresso, while two more died later after being taken to Harborview Medical Center. People who were brought to the hospital had suffered gunshot wounds to the head, according to Susan Gregg, a hospital spokeswoman.

According to the Seattle Times, two of the victims at the cafe were Joe "Vito" Albanese, 52, who was killed along with best friend Drew Keriakedes, 45; the two men were in a band called God's Favorite Beefcake. The two other victims shot at the cafe have not yet been identified.

The Seattle Times reports that the only survivor of today's shootings is Leonard Meuse, who is currently out of surgery at Harborview Medical Center after being shot in the jaw and the armpit. Meuse is expected to survive.

Though it was unclear what prompted the cafe shooting, Ian's brother Andrew Stawicki said that his girlfriend said he was acting "kind of crazy" Wednesday morning, and she would not let him have a car.

Ian apparently had his mother's pickup truck on Wednesday; the family currently does not know where the vehicle is located.

The late Wednesday morning shooting set off a massive manhunt throughout Seattle. Earlier in the day Seattle police had tweeted that the suspect "is still alive and receiving treatment at Harborview Medical Center."

The second shooting incident occurred in downtown Seattle, about a 15-minute drive from the cafe.

"It appears that about 30 minutes after the shooting at the cafe, the suspect in the cafe shooting fled to First Hill, where he fatally shot a woman in a parking lot, and stole her SUV," police wrote in a blog post on the shootings.

Ian Stawicki did not know married mother of two Gloria Leonidas, the woman he killed in the second shooting incident, according to his father. Koch reportedly died after being transported to Harborview Medical Center.

The area where the suspect shot himself was about seven miles southwest of downtown Seattle -- about a mile to a mile and a half from where the suspect's stolen black SUV was found abandoned with a gun on the seat, according to police.

During a search of the area, a detective spotted the suspect on the street and started watching him, police said. When back-up officers arrived and started moving toward the man, he turned to the officers and the officers ordered him to drop his weapon.

Instead, the suspect put a firearm to his head and pulled the trigger, firing one shot, and immediately dropped to the ground.

"Based on evidence recovered during today's investigations, SPD believes a lone suspect is responsible for the murders in Roosevelt and First Hill," police said in the blog post. "Still, neighbors should expect to see a heightened police presence as detectives work to confirm links between the two tragic incidents."

Roosevelt High School, which is near the cafe, was put on lockdown while police armed with rifles continued to search the area.

Two other nearby schools, Greenwood Elementary School and Eckstein Middle School, were put on a modified lockdown, the Seattle Post-Intelligencer reported.

No one answered the phone at Cafe Racer. A recorded message urged callers to "remember to come visit us, where we keep safety third."

"We've had two tragic shootings today that have shaken this city," Seattle Mayor Mike McGinn told reporters.

He said he has asked police to find ways to end the gun violence.

"It's their highest priority to identify the strategies we need to employ to try to bring an end to this wave of gun violence that this city is seeing," he said.

ABC News' Kevin Dolak, Josh Haskell, John Capell and ABC News Radio contributed to this report.

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