Confront your debt | Top iPad Finance Apps

By Rachel Louise

ENSIGN

Since graduating from college in 2010, has taken the 24-year-old for a loan for a new car and pay off helps his wife around $ 20,000 in student loans. He took a $ 154,000 mortgage to buy a house and $ 4,000 in store credit cards to deliver it.

Although Mr. Pontarelli says he has taken to get the best rates possible, he needed a new system to manage its debt burden to develop. ?It has to organize itself, relieve just some of the pressure,? says Mr. Pontarelli, who, Overland Park, Kansas, lives and works in a finance and consulting firm.

Young adults are racking up record amounts of debt. Students will finance the completion of a bigger-than-ever loan to his studies, and then released with credit cards, the extras can not afford to buy them to cover completely. For many, this leads to a vicious cycle of debt that they will follow for years. But there are ways to reduce your debt load and catch a break-even for a young person.

First, ask yourself whether it is at all possible, pay off your debts. If you have your payments large but manageable with your income and other expenses, you will want to compromise and consistently pay as much as possible to concentrate.

Mr. Pontarelli and his wife pursued their money and saw where it room to debt payments divert money needed. A big culprit was vacation. She went this year, but do not splurge on extras.

enrolled in automatic payments for their loans and credit cards. A number of lenders who had financed his wife?s college loans them a small interest rate cut it.

young adults with debt payments, that starting salary may not cover need help before they seek to destroy their credit, says John Ulzheimer, president of consumer education at SmartCredit.com.

credit card debt, you want to call your lender to find out what your options are. One is with a reputable credit counseling service such as offered by the National Foundation for Credit Counseling, which is often negotiate a lower interest rate and the required monthly payment.

Your last resort should wipe personal bankruptcy or a settlement with a credit card company that you allow your balance by placing a lump sum payment that is lower than the balance owed will be. If you are under Chapter 7 of the bankruptcy proceedings, you are subject to undergo a means test. In the settlement of debts, lenders will look at a person?s income, so a young person could end up with better terms, says Mr. Ulzheimer.

your loan is a big hit, a bankruptcy filing will pay on your credit report for up to 10 years and a financial settlement for up to seven years. But for a young man, which could mean that the bankruptcy or settlement wiped off the report before he or she is in a position to, say, buy a house.

If you have federal student loans, look into an income-contingent repayment plan that reduces your monthly payment to no more than 15% of your discretionary income. If you have a public service, you can also apply a loan-forgiveness program to apply. See studentaid.ed.gov for details. If your loan is private, you need to contact your lender about an emergency deferral.

e-mail: @ wsj.com rachel.ensign in The Wall Street Journal, page WSJ2 Printed

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PFT: Ex-Saint calls bounties 'something every team does'

Getty Images

A year after nearly making it to the playoffs following a total of six wins in three seasons, the planets aligned for another disastrous season in St. Louis.? And a disaster indeed unfolded, in the form of a 2-14 record.

The finish resulted in owner Stan Kroenke cleaning most of the house, firing G.M. Billy Devaney and coach Steve Spagnuolo.? On Saturday, Devaney joined Doug Farrar and Rob Rang of KJR radio (via NFL.com), and Devaney offered up a wide variety of excuses for the team?s re-collapse in 2011.

The laundry list of lamentations for losing include:? (1) the team went up for sale as soon as Devaney and Spagnuolo were hired; (2) the team had ?an old roster,? a ?really old roster?; (3) there were ?some guaranteed contracts on there that we have to live with?; (4) the lineup was essentially ?Steven Jackson and the Pips,? and Devaney said he ?probably would have been happier with some of the Pips? (oh . . . snap); (5) the team had to make tough and unpopular decisions regarding receiver Torry Holt and Orlando Pace; (6) there wasn?t much money being put into a team that was for sale; (7) after a successful season, offensive coordinator Pat Shurmur left to coach the Browns; (8) a ton of injuries in 2011; (9) no offseason in 2011; and (10) a ?ridiculous? schedule in 2011.

?It was just one thing after another,? Devaney said.? ?I could tell in training camp ? I mean early on, I don?t even know if we started playing a preseason game ? things just, especially on offense, things just looked really . . . nobody looked comfortable.?

Then came the regular season, with an opening slate of games against the Eagles, Giants, Ravens, Redskins, Packers, Cowboys, and Saints.? But for a postseason-altering upset win over the Saints (if New Orleans had won, the Saints would have hosted the 49ers in the divisional round), the Rams would have started the year 0-8.

?I mean, we were hoping, and this is ? we?re trying to be optimistic ? we were hoping at the halfway point, we may have had two wins,? Devaney said.? ?We thought if we could scratch out two wins, the back end of the schedule, we could win a couple of more games.? Well, I don?t know if we won any.? We may have won one, but by that time, the roster was decimated.? We were working corners out on Tuesday and they were lining up and starting for us on Sunday. . . .? Five or six of those guys, I couldn?t even tell you who they were.?

The points are all valid, but the lesson for other General Managers and coaches is that, when a team is facing that kind of adversity, it?s important to manage expectations, both inside and outside the building.

It didn?t work internally, or Devaney and Spagnuolo would have gotten another chance to preside over another stunning turnaround.

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How can I convince my European friends to do ... - Fitness Websites

After reading all the intelligent conservative posts here I understand now we got it all wrong when we provide health care to everyone like health and well being should be the first concern. I realize we ignore the needs of the insurance company CEO?s and the rules of the free market. Profit never even crosses our minds like health care is a right instead of a privilege. So inspired by the brave and erudite conservative posters on my favorite website I?m trying to change that mindset

However when I proposed abolishing our universal health care in favor of the American system I was met with a lot of hostility, some even questioned my sanity quoting statistics that show the US spends more per capita than we do and still has a millions of uninsured people.

Any idea how I can persuade my neighbors, country men and fellow Europeans to overcome the socialist oppression of universal health care?

For reference this is the current system we have here in Belgium

http://www.expatica.com/be/health_fitness/healthcare/belgian-healthcare-system-1493.html

Chosen Answer:

Show them how here in the States we rank 37th in health care by the WHO, have a lower life expectancy than the majority of Western European countries, and then top it with the cherry that is the US?s infant mortality rate. You know, second to last in the developed world.

Explain it all away that it?s really just people?s lack of personal responsibility behind these figures and has nothing to do with actual access.
by: Forget War Buy More
on: 26th June 09

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Inhabitat's Week in Green: Sky City One, remote-controlled light bulbs and the Zero-G Olympic Games

Each week our friends at Inhabitat recap the week's most interesting green developments and clean tech news for us -- it's the Week in Green.

It took five years to build the Burj Khalifa, the world's tallest building -- but this week Inhabitat reported that Chinese company BSB plans to build the next world's tallest tower in an astounding 90 days. Dubbed Sky City One, the soaring spire will be constructed using prefab building techniques in record time. In other architecture news, Singapore officially unveiled its lush, sprawling Gardens by the Bay in advance of their opening next week -- and the stars of the show are these spectacular solar-powered supertrees that harvest rainwater and light up the night. We also took a peek inside a bomb-shelter-turned-nightclub that is blowing up in Beijing, and several internet titans unveiled new building projects -- Twitter moved into a new green-roofed headquarters in San Francisco and eBay announced plans to power its flagship data center with a Bloom Energy fuel cell farm.

Continue reading Inhabitat's Week in Green: Sky City One, remote-controlled light bulbs and the Zero-G Olympic Games

Inhabitat's Week in Green: Sky City One, remote-controlled light bulbs and the Zero-G Olympic Games originally appeared on Engadget on Sun, 24 Jun 2012 20:00:00 EDT. Please see our terms for use of feeds.

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Illinois trying to buck falling attendance trend in college basketball

CHAMPAIGN ? Section 17 in Duke?s cozy Cameron Indoor Stadium is sacred ground in college basketball.

The 1,200-seat stretch of bleachers across the court from the team benches is home to the Cameron Crazies, Duke?s student section that?s as big a part of college basketball as the home-court advantage, Dickie V and, dare we say, March Madness.

Yet Cameron hasn?t been immune to a problem seen across the country: falling attendance.

Duke sometimes sells 550 unused student seats in Section 17 to adult fans to keep Cameron full, and that reflects a trend: It?s easier to get a ticket to a college basketball game these days.

?Part of the discussion is, ?Hey, if it?s not happening at Duke, we?re all in trouble,? Bradley athletic director Michael Cross said.

College basketball attendance averages fell this year for the fifth consecutive season. According to a study conducted by the Chronicle of Higher Education, nearly one in five Division I men?s basketball programs saw attendance fall by 20 percent or more over the past four seasons. Including the regular season and NCAA tournament, overall attendance has fallen by an average of 348 fans per game since 2007.

The slide is a growing topic among college coaches and administrators.

?There?s always a concern when you have revenue streams going down,? Missouri Valley Conference commissioner Doug Elgin said.

Sometimes the decline in attendance is based on the product on the court. Otherwise, it?s blamed on the economy, a regular season overshadowed by March Madness or the saturation of games on television, not to mention the HD home theaters that turn a couch into a luxury box. Late-night made-for-TV game times and the transient nature of today?s game also play a role.

Success sells

Basketball ticket revenue often accounts for 5 percent to 10 percent of a major-college athletic budget, and nothing sells tickets like putting a winner on the floor. When Dee Brown, Deron Williams and the gang were the big deal at Illinois in 2005, Assembly Hall was packed.

The school put together a streak of 60 consecutive sellouts and had an average capacity crowd of 16,618 for three seasons, ending in 2008. At one point, the Illini filled the Hall with season ticket holders for four consecutive years and ranked ninth nationally in attendance.

Last season, Illinois stood 14th in the country in attendance after falling to an average of 14,986 (counting a ?home?? game against UNLV at the United Center in Chicago). The number, like elsewhere, reflected tickets sold.

?If you?re spending a lot on marketing and not having success on the field of competition, you?re not moving the needle a lot,? said Illinois athletic director Mike Thomas, who fired coach Bruce Weber after the Illini missed the NCAA tournament for the third time in five seasons.

Despite the saturation of the Big Ten Network in the conference footprint, the league led national attendance numbers for the 36th straight year while averaging 12,868 fans per game.

Meanwhile, the Atlantic Coast Conference ranked fifth nationally among conferences after falling 12 percent in the past four years to 9,876 per game. The Pac-12 dropped to 7,143 ? a 17 percent loss over the same span ? in part because of struggles on the court. The Big East and SEC also have seen slight declines, while the Big 12 remained steady.

Overexposure

But winning isn?t everything. Florida State finished third in the ACC but had an 8 percent drop in ticket sales from the previous year. And let?s not forget Section 17 at Duke.

March Madness is the elephant in the room. To the casual fan, it?s the only time to watch college hoops.

?The regular season isn?t going to be as attractive,? said Jim Haney, the executive director of the National Association of College Basketball Coaches. ?Maybe not as much to the avid fan, but the casual fan is more intrigued by a championship than he is necessarily with the regular season.?

The number of televised games and the late-night tipoffs often keep folks at home. With HD, Xbox, the Internet and multiple games at the touch of the remote control, perhaps there?s nothing more fan friendly than the couch.

?The longer they?re at home at night, the harder it is to get them out and get them into your building,? Cross said.

Cross says game times play a key role: With TV setting so many late tipoffs, it hurts attendance at the benefit of more TV coverage.

?If I choose to go to a game at 9 on a Monday night, I?ve got to be pretty darn invested,? Cross said. ?TV has become so much of a driver in the decision-making. I don?t even think it gets debated anymore. If ESPN says play at 9 o?clock, I don?t know if people are discussing, ?No, we don?t want to do it.? People want that exposure.?

The glut runs for five months. The season starts in early November and runs into April.

?It?s a supply-and-demand thing. There?s a ton of supply out there now,? said new Illinois coach John Groce. ?When we were growing up, you saw a Big Ten game, or Kansas, Kentucky, UCLA or North Carolina.?

Groce coached at mid-major Ohio University last season, and the Bobcats were shown on five different outlets.

Power conferences overcome losses in ticket sales with massive TV deals, such as the Big Ten Network paying each conference school $7.9 million last season.

Rule No. 1 framed on Cross? wall: ?The more prosperous a sport becomes, the more likely it is to destroy the reasons for its prosperity.?

Somewhere, the integrity and traditions that made the game so great were lost in the money. It goes much further than NCAA violations from coaches looking to cash a big paycheck. It?s schools jumping to different conferences and thus eliminating long-standing rivalries; players leaving after one year for the NBA or another school for more playing time; and a schedule loaded with patsies before Christmas.

Going south

At Southern Illinois, there?s plenty of rebuilding to do after former Salukis coach Chris Lowery only won 36 games over the previous three seasons. Attendance dropped at SIU Arena from 7,743 during the run to the Sweet 16 in 2007 to 3,299 last season.

Coach Barry Hinson signed a contract paying him $250,000 a season before increases in the next three seasons. His main bonus incentive comes from ticket revenue. Once SIU reaches $850,000 in ticket revenue per season, Hinson gets a bump. It?s one way an athletic department strapped for cash can repay a successful coach.

?If we?re making money, Barry is sharing in the money,? said SIU athletic director Mario Moccia. ?That also asks the coach to keep promoting to come out to the ballgames.?

Mid-majors often have a smaller number of home games because they don?t have revenues to buy guarantee dates. Thus, home games could be a bigger deal, especially in a smaller market with less competition from TV coverage or elsewhere for the entertainment dollar.

?It?s kind of like, ?You don?t want to miss any home games,?? Moccia said. ?This is the place to be. I don?t feel TV hurts us.?

That?s the battle, from Duke?s Section 17 to Carbondale and all points in between.

John Supinie can be reached at 377-1977. Follow him on Twitter at @Johnsupinie.

***

On the slide

Overall average attendance (regular season and tournaments) for Division I men?s basketball games has continued a fall that started after 2007.

Year?? ?Teams Total att. ?????? Average
2007?? ?325?? ?27,705,912?? ?5,548
2008?? ?328?? ?28,135,901?? ?5,524
2009?? ?330?? ?27,767,111?? ?5,378
2010?? ?334?? ?27,539,459?? ?5,245
2011?? ?335?? ?27,626,165?? ?5,237
2012?? ?338?? ?27,691,051?? ?5,190
Source: NCAA

Bracket buster

Attendance for NCAA tournament games has declined from 2008?s average.

Year?? ? Gms Total att. ? Average
2007?? ?35?? ?696,002?? ?19,886
2008?? ?35?? ?763,607?? ?21,817
2009?? ?35?? ?708,296?? ?20,237
2010?? ?35?? ?706,246?? ?20,178
2011?? ?36?? ?690,679?? ?19,186
2012?? ?36?? ?717,185?? ?19,922
Source: NCAA

Big sellers

Leaders in 2012 attendance by conference, overall
?? ??????????????????????? Gms ?? Attendance?? Average Rise/fall
Big Ten?? ???????????? 222?? ?2,856,785?? ?12,868???? +42
SEC?? ????????????????? 215?? ?2,475,188?? ?11,513?? ? +325
Big 12?? ?????????????? 172?? ?1,901,846?? ?11,057?? ? +341
Big East?? ??????????? 288?? ?3,133,782?? ?10,881?? ? -442
ACC?? ????????????????? 209?? ?2,064,113?? ?9,876?? ??? -390
Mountain West?? ?140?? ?1,092,044?? ?7,800?? ???? -1,322
Pac-12?? ????????????? 221??? 1,578,565?? ?7,143?? ??? -665
Missouri Valley?? ? 164?? ?1,158,525?? ?7,064?? ??? -123
Atlantic 10?? ???????? 218?? ?1,211,175?? ?5,556?? ??? +307
Conference USA? 203?? ?1,101,962?? ?5,428?? ??? -251

Conference tournaments

Conf ???????? Sessions ? Att. ?????????? Average
Big Ten?? ????????????? 6?? ?107,737?? ?17,956
SEC?? ?????????????????? 6?? ?86,270?? ?? 14,378
Big 12?? ??????????????? 5?? ?94,894?? ?? 18,979
Big East?? ???????????? 8?? ?160,456?? ?20,057
ACC?? ?????????????????? 6?? ?117,120?? ?19,520
Mountain West?? ?? 4?? ?50,499?? ?12,625
Pac-12?? ?????????????? 6?? ?53,629?? ?8,938
Missouri Valley?? ?? 5 ?? ?62,283?? ?12,457
Atlantic 10?? ????????? 8?? ?41,565?? ?5,196
Conference USA?? 6?? ?65,069?? ?10,845

By school

School?? ?Games?? ?Attendance?? ?Average
1. Kentucky?? ?18?? ?426,978?? ?23,721
2. Syracuse?? ?19?? ?448,736?? ?23,618
3. Louisville?? ?20?? ?430,052?? ?21,503
4. N. Carolina 18?? ?362,867?? ?20,159
5. Wisconsin?? 18?? ?309,255?? ?17,181

Illinois schools in the top 100

School?? ?Games?? ?Attendance?? ?Average
14. Illinois?? ?18*?? ?269,739*?? ?14,986*
67. DePaul?? ?16?? ?123,832?? ?7,740
68. Bradley?? ?16?? ?122,245?? ?7,640

Others
Northwestern?? ?17?? ?101,531?? ?5,972
Illinois State?? ?? 17?? ?81,310?? ?4,783
Southern Illinois 14?? ? 46,186?? ?3,299
Illinois-Chicago? 14?? ?41,077?? ?2,934
Loyola?? ???????????? 13?? ?29,596?? ?2,277
SIU-Edwardsville 13?? ?21,122?? ?1,625
Eastern Illinois?? ? 14?? ?18,582?? ?1,327
Western Illinois?? ?14?? ?16,541?? ?1,182
Northern Illinois?? ?15?? ?14,940?? ?996
Chicago State?? ?? 12?? ?5,146?? ?429
*includes Illini?s game in Chicago vs. UNLV that drew 15,144 at United Center
?Source: NCAA

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Why do I love you? - Story to go with TDG

Why do I love you?
NOT A SONG FIC!
Song Inspiration - Three Days Grace, I hate everything about you

Here I sit, broken hearted. My facial features illuminated by Candlelight. The room is dark, with one slowly burning candle for some source of light. My breath was visible and pure white, the windows are broken, along with the door. They are all wide open. It must have been early morning, atleast Four. There is no sunlight here in Estonia during winter. The torn and tattered couch I sit on is coated with snow, forcing an icy chill through it. The dilapidated building I'm in is in dire need of repair, but it will never come.

My tears are like little crystals of ice, spilling from my eyes, and trickling down my cheeks before freezing. The moment he said those words, I was as good as dead. I would have preferred it - As it would have been less painful. It was a few words, no more. But their meaning was clear.

"Skye, tell me one thing." He said, and I looked at him happily. "Anything." I grinned.

"Why do I love you?" He asked, and my face dropped. "I hate everything about you - But I just can't separate us."

His words were like the ice that surrounds me. But only when I stop to think about him, the hatred bubbles inside of me.

He stood up, and walked over to the door. "At last, I can leave. Goodbye, Skye. I hate you." He hissed, opening the door and walking through it. He slammed it, and it fell off the hinges.

Two years have passed since he said that. Those cold, painful words still echo inside of my head. I don't miss him.

___________________________________________________________________________________________________

This will be my deathbed. I know it. That innocent icy puddle of tears is overflowing. It is covering me. Soon, I'll be a corpse with pneumonia. It doesn't take long. It's five in the morning now, and that warm little candle is as good as gone now. My skin is freezing and wet, and I feel so cold.

And yet, just as my story began, Here I sit. All broken hearted. My life went to sh*t, and my world ended.

"You write love stories of tragedy, with clich? happy endings. A true love story has no ending." ~ Skye Alexander James Sutton .A.K.A. DarknessUndying

"One simple word can free us of all pain and burden, and make our lives better. That special word is Love." ~ Skye Alexander James Sutton.

"I don't need any romantic connections, because I know when my Soulmate comes, he'll come in with a bang, and I'll be the happiest man alive." ~ Skye Alexander James Sutton

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Issa: President's executive privilege claims 'simply wrong'

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