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Archive for September, 2009

It’s tough to find a job these days. In 2000, the Labor Department began keeping statistics on the ratio of unemployed workers to permanent job openings. This July, that ratio hit a record of six to one — representing the 14.5 million official unemployment count to 2.4 million permanent full-time jobs open (in the 2001 recession, the ratio was about two to one). With the open position ratio at three times the previous record, it makes me wonder why the Fed thinks the recession is over.

This is scary for workers. The New York Times interviewed 51-year-old Milwaukee resident, Debbie Kransky who lost her medical billing job in February. Since this was her second job loss in two years and the job she lost in February lasted only a month, her last unemployment check — $340 — is her final one. She has run through her $10,000 life savings.

Kransky — who lives alone in a one-bedroom apartment — is understandably worried.

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When attempting to protect your household’s future ability to keep and maintain good credit, choosing to use a debt consolidation service is a very wise decision. Unlike other types of debt relief programs, you do not have to directly contact or negotiate with the creditors. The balances that are owed are not reduced and there is no modification of contracts.

Instead, all of the past due obligations are bundled together and paid off. This will immediately eliminate any recurring fees that were charged in association with the past due balances. This will also clear your credit report of any future missed or late payments that may have resulted.

Bankruptcy is never a good option to choose. It can stain a credit record for years to come and inhibit the ability to get credit cards, some homes or apartments, and even employment on occasion. Using a consolidation service can help avoid this nightmare.

After all of your past due obligations have been paid off by the debt consolidation service, the total paid is then issued as a loan that you repay on a monthly basis. T

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It’s not often that you get to interview a man like Howard Lindzon. Not only is he a successful hedge fund manager for Knight’s Bridge Capital Partners and a successful player in venture capital, but he is also the creator of the highly popular Twitter-based stock market discussion platform, Stocktwits.com.

Among those in financial circles, Lindzon is best known for his start-up deal making prowess: He is the man behind WallStrip, which was acquired in 2007 by CBS for an undisclosed amount (but estimated to be around $5 million). He is also the author of the book The Wall Strip Edge, an easy read which provides practical investing strategies. This candid Canadian has a track record of success, so we spoke with him about the future of social media, start-ups, and of course the stock market.

DailyFinance: Why are you partial to investing in social networking?

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I enjoyed the discussion last night about financial regulation between Joe Stiglitz, Jesse Eisinger, and Roberta Karmel.

Stiglitz and Eisinger, especially, were on form. Stiglitz has an interesting and rather international take, having chaired a panel with a typically long UN name: the Commission of Experts of the President of the General Assembly on Reforms of the International Monetary and Financial System. And Eisinger seems to be getting increasingly curmudgeonly — a very good thing too, in this world of ultra-short memory spans and massive releveraging.

Stiglitz is a fan of the Polish framework. Poland, he says, has one overall regulator, which then has separate commissions with solid institutional knowledge for each of the areas, like insurance and banking, which need to be regulated. He also like the way that the Poles index the salary of the regulator to salaries in the financial sector. F

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24
Sep

Will China lead the green revolution?

For anyone who watched the recent speeches by U.S. President Barack Obama and Chinese Premier Hu Jintao at the United Nations, the difference between the character of their content was remarkable. Obama failed to give specific promises on just about anything. Instead, he boasted that his stimulus package had returned the U.S. to a leadership role in the global climate change debate. How’s that? It showered $80 billion in U.S. funds on cleaner technology development and production facilities, he said.

Hu was more concrete, saying China would plant 150,000 square miles of trees, an area roughly the size of Montana. He also said renewable sources would produce 15 percent of the Middle Kingdom’s energy by 2020, according to the AP. What’s more, Hu also pledged to slow the growth of China’s emissions. Although this last pledge was a bit squishy, it looked positively robust compared to Obama’s lack of specificity on things green.
China’s political and economic star has been rising for some time. Read more…