Thursday, August 25, 2011

Can i get a home equity loan? And what is the process? | Best Finances

Home loans always have closing costs. These include the appraisal fee, the lender?s attorney?s fee, the prorated taxes, the filing fee, the survey charge, insurance, and about half a dozen other fees. Sometimes those fees are included in the principle of the loan; they are rolled into the loan.

The only equity you might have is the down payment you made when you bought the house. You should have a sheet 8?? x 14? if you live in the U. S. It will show the price of the house, the closing costs, the amount financed, and possibly your equity. If you have trouble reading it, contact your real estate agent. He can help you interpret it.

When you make payments on your loan, you?re paying almost all interest for the first couple of years. You will probably reduce your principle by $15 ? $20 during the first 6 months of payments.

Source: http://bestfinancesolutions.com/credit/loans-credit/can-i-get-a-home-equity-loan-and-what-is-the-process/

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Author's letter is focal point in 'The Help' suit (AP)

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FILE - In this Aug. 16, 2011 file photo, Ablene Cooper, a woman who works for the brother of author Kathryn Stockett, and her son Antonio Cooper,  leave the Hinds County Courthouse in Jackson, Miss., expressesing her disappointment that a circuit judge dismissed her lawsuit against the author of 'The Help' because a statute of limitations issue. Cooper wants a judge to reinstate a lawsuit that claims Kathryn Stockett, author of the bestselling novel-turned-move 'The Help,' used her likeness without permission. (AP Photo/Rogelio V. Solis, file)AP - A handwritten letter from author Kathryn Stockett has become the focal point of a lawsuit over her bestselling novel "The Help," which has been made into a box office hit.


Source: http://us.rd.yahoo.com/dailynews/rss/movies/*http%3A//news.yahoo.com/s/ap/20110823/ap_en_mo/us_the_help_lawsuit

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Google Wallet to launch soon? RadioShack is priming employees

 Google Wallet at RadioShack

Google has been pretty quiet recently about Google Wallet, a new payment service announced back at the end of May. But that is about to change soon, folks. Engadget has received an image taken from a Radio Shack computer indicating that Google and Radio Shack are prepping for an upcoming launch in stores. Usually in large retail rollouts like this, retailers send out info before it's about to go public. According to the image taken, the service is set to go live sometime in September. If Radio Shack is already receiving info about the launch, maybe we'll see some other info from more retailers soon. Stay tuned and ready those NFC-enabled devices.

Source: Engadget


Source: http://feedproxy.google.com/~r/androidcentral/~3/uSWMqLz8aHE/google-wallet-launch-soon-radioshack-priming-employees

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Wednesday, August 24, 2011

I was right to be wrong! (Unqualified Offerings)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/126251960?client_source=feed&format=rss

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Experts push disclosure of failed foster adoptions ? Newsdesk ...

Deb and Doug Carlson have 2 adopted sons who have trashed bedrooms, stolen credit cards and threatened to kill them. One drew a disturbing picture of beheading the southwest Florida couple and throwing a party.? The 2 teenage boys were adopted in 2007, and the Carlsons were handed a slim file with few details except that the two suffered from attention deficit hyperactivity disorder. No one told the empty nesters the boys had severe mental health issues and had bounced between foster homes. Now teenagers, the boys are living in separate therapeutic group homes.

And therapists are saying that one boy needs to be in a supervised residential facility, which the state will no longer pay for, unless the Carlsons turn back custody to the state.?

?We love him and he?s part of our family. To have to make such a difficult decision to get him the care he needs is ludicrous. It sends a horrible message to him,? said 55-year-old Deb Carlson. ?You really feel like once you sign on the dotted line you?re on your own. You?re totally abandoned by the state.?? Fox News

Now the vast majority adoptions end happily, but with many families, like the Carlsons say they weren?t told about their new child?s psychological problems and can?t get help from the government agencies that recruited them.? Their complaints come as there?s a push nationwide ?to find homes for older foster care children and those with serious behavioral and mental health problems, which can emotionally and financially drain adoptive families.

You should be able to sue when this information is withheld from your family, as not knowing all of the history does endanger everyone else in the family.? Most states have funds for recruiting these new families, but once adopted, the money dries up, and there?s no support for them.? Stats show there?s about 50,000 kids adopted in the US each year.

?We place them in an adoptive home and we don?t support or train the parents ? we sometimes set families up to fail and then those children are placed back in the system,? said Rita Soronen, president of The Dave Thomas Foundation for Adoption. The Ohio nonprofit estimates more than 20 percent of the nearly 6,300 foster children it has served came from a failed adoption.? Fox News

But no one keeps track of how many adoptions fail or track how many children need additional help, and states aren?t required to track or report the figures. Florida is among the few states tracking so-called disrupted and dissolved adoptions, which happens when adoptive families return children to foster care while in the process or after finalizing the adoption.? Between 2008 and 2009, Florida had nearly 200 dissolved or disrupted adoptions.

In Oklahoma, one child advocate said half the 14 boys in the group home where she worked had been adopted and returned to the system. Legislators there pushed for a law in 2009 fearing there was little transparency in the process.

A lot of t he failed adoptions involve older children with trauma issues, including reactive attachments disorder, or RADS, where children struggle to bond and act out against their adoptive families. Some have been victims of sexual abuse and, in turn, act out sexually on other siblings in the home. States typically cover a portion of care, but that coverage can run out quickly.? And the cost can be financially draining for the new parents.

Many states have relinquishment policies that force parents to choose between keeping their children and getting them help. Those who do relinquish their children may face criminal abandonment charges and may not be eligible to adopt again, said Mary Boo, assistant director of the North American Council on Adoptable Children in Minnesota.

?States could fund the treatment and not bring the kids back into foster care but they don?t. It?s a way to keep the states from having to pay the bill,? Boo said.? Fox News

And the demand for help is increasing while funds are dwindeling because of budget crunches.? Casey Family Services, covering New England and Maryland, has expanded over the past three years after hearing from more families in crisis.? But the Carlson?s problem began when they tried to get? counseling and other post adoption services for their boys: The organization?s waiting list was so long they eventually told the Carlsons they couldn?t help anymore.? As it stands now, the boys can?t be left alone or play in the neighborhood like normal teens. Each week brings new crisis. Deb Carlson quit her job as a payroll manager to deal with the chaos. She spends hours on the phone navigating the system. A nonprofit advocate recently agreed to take one son?s case in hopes of getting the state to pay for more residential care.

Then in May several children?s welfare organizations lobbied Congress for more post-adoption services to help families like the Carlsons. Sen. Amy Klobuchar, D-Minn., introduced a bipartisan bill that would have required states to spend a portion of the federal dollars they already receive on adoption services and accurately report failed adoptions, but the bill stalled in committee.?

Source: http://newsdeskinternational.wordpress.com/2011/08/22/experts-push-disclosure-of-failed-foster-adoptions/

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WVT Communications Finalizes $17 Million Acquisition ... - VoIP News

Warwick Valley Telephone Company, a full service cloud communications company, has finalized the acquisition of Alteva just weeks afterwards the official announcement. Following the closing, Alteva has begun integrating its operations with the existing cloud communications group of WVT. This strategic move will help the newly merged company significantly strengthen its CLEC business, and expand its cloud strategy for unified communications and hosted applications for small, medium and large enterprise clients.

About WVT CommunicationsWarwick Valley Telephone Company is a global full service cloud communications company with a regional incumbent telecommunications company operating in portions of Orange County New York and northern New Jersey. Through its subsidiaries, Alteva and USA Datanet, and affiliated companies, WVT Communications offers local, long distance, Internet, video, network, unified communications, VoIP (Voice over Internet Protocol) and other cloud services. Additional information is available at www.wvtc.com.

Copyright ? 2011 Marketwire. All rights reserved. All the news releases provided by Marketwire are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Furthermore distribution of these materials is strictly forbidden, including however not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

Fundamental company data provided by Capital IQ. Historical chart data and daily updates provided by Commodity Systems, Inc.. International historical chart data, daily updates, fundAnalyst estimates data provided by Thomson Financial Network. All data povided by Thomson Financial Network is based solely upon innovation information provided by third party analysts. Yahoo! has not reviewed, and by no means whatsoever endorses the validity of such data. Yahoo! and ThomsonFN shall not be liable for any actions taken in reliance thereon.

Source: http://www.allvoipnews.com/wvt-communications-finalizes-17-million-acquisiti.html

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Kim reported arrives in Russia city for summit (AP)

MOSCOW ? North Korean leader Kim Jong Il's armored train reportedly arrived Tuesday in an eastern Siberian city for a summit with Russian President Dmitry Medvedev as Russian military officers flew to Pyongyang for military talks.

Kim is expected to meet Medvedev this week near the Russian city of Ulan-Ude for talks that could focus on a natural gas pipeline deal. It is Kim's first visit to his country's Cold War ally in nine years. North Korea is also pushing to restart six-nation nuclear disarmament talks in exchange for aid, after more than a year of tension during which it shelled a South Korean border island and allegedly torpedoed a South Korean warship.

Kim arrived Tuesday morning in Ulan-Ude, the capital of Buryatia, a Buddhist province near Lake Baikal, South Korea's Yonhap news agency reported; he then got into a car with people waiting at the station and went toward the city. Yonhap said the Medvedev-Kim summit is expected to take place Wednesday but did not elaborate.

Russian military officials, meanwhile, arrived in the North Korean capital on Monday for a five-day visit, the ITAR-Tass news agency reported from Pyongyang. The Russian Defense Ministry said the talks will focus on the renewal of military cooperation between the countries, possible joint exercises "of a humanitarian nature" and an exchange of friendly visits by Russian and North Korean ships.

Military expert Alexander Golts said North Korea's goal could be to assuage fears of instability as Russia considers building a natural gas pipeline through North Korea. The pipeline is expected to be one of the main topics of Kim and Medvedev's talks.

Golts said it was highly unlikely Russia would renew arms sales to North Korea, which would not be in its interests as a participant in the six-nation nuclear talks.

In Washington, State Department spokeswoman Victoria Nuland said that Russia ? as "a partner in the six-party talks" ? shares the view we all have: "In order to get back to the talks, we need an improvement in North-South relations, and we need the (North) to show concrete steps toward denuclearization."

She said that "one would hope and expect that if we have the leader in Russia, that these points are being made to him."

Kim's train crossed into Russia on Saturday morning and passed through Khabarovsk before heading west along a railway running roughly parallel with Russia's borders with China and Mongolia. The itinerary for his visit, expected to last about a week, has been largely kept secret because of what appears to be high security concern from North Korea.

But the Korea Herald newspaper stated bluntly a strain of thinking in Seoul in an editorial Tuesday: "It does not take genius to guess why North Korean leader Kim Jong Il is visiting Russia. Kim desperately needs economic aid."

The North, which has long experienced chronic food shortages, has been hit with heavy flooding in recent weeks.

Kim was seen during a stop Sunday at the small Bureya station in Amur province. Flags of the two countries fluttered at the railway station, while a military band played welcoming music and Russian women in national dress offered Kim traditional gifts of bread and salt.

Kim then was taken in his armored Mercedes for a tour of a hydroelectric power plant and its 139-meter (456-foot) dam on the Bureya River. He was briefed on the plant's history and electricity production capacity and praised the enormous building, the North's official Korean Central News Agency reported from Pyongyang.

"Inexhaustible is the strength of the Russian people," Kim wrote in the visitor's book, KCNA said.

Russia has proposed transmitting surplus electricity produced by the Amur plant to both North and South Korea, South Korean media have reported.

South Korean President Lee Myung-bak, while on a visit to Mongolia, said that "if (Kim) frequently visits and looks at an open society, that will eventually positively affect North Korea's economic development," spokesman Park Jeong-ha said, according to South Korea's Yonhap news agency.

A Russian regional news agency, PortAmur, posted photographs showing the 69-year-old Kim wearing his trademark Mao-style khaki jumpsuit. In all but one of the photographs he is seen wearing dark sunglasses. He traded them for regular eyeglasses when presented with a framed picture as a gift.

The Amur.info news website reported Monday that people living near the Bureya rail station were told to stay away from windows and prohibited from taking pictures. The local residents, however, were grateful for the makeover of the station's square, which was newly paved for Kim's visit, the website said.

Kim's train traveled along the Trans-Baikal Railway.

There were signs that preparations were being made for Kim to visit the village of Turka, on the shores of Lake Baikal. The Baikal Daily website quoted residents as saying that a local police officer had been making the rounds to take down the names and addresses of all the people in the village.

One key topic for Medvedev and Kim's talks is expected to be the construction of a pipeline that would stream Russian natural gas through the North's territory to the South. South Korea media said the North could earn up to $100 million every year, but negotiations haven't reported much progress because of the nuclear dispute.

Officials from Russia's state-controlled natural gas giant Gazprom visited North Korea in early July for talks on the gas pipeline. North Korean officials at the time reacted positively to the project, a change from a previous reluctant position, according to South Korea's Foreign Ministry.

The JoongAng Ilbo newspaper, however, raised worries Monday that the North could abruptly shut down the gas supply depending on relations with the South.

"As long as there is the possibility that the gas supply would be interrupted by the North for political or military reasons, it is difficult for Seoul to put a final stamp on the deal," the paper said in an editorial.

North Korean diplomats separately met U.S. and South Korean officials last month to discuss the resumption of the nuclear talks, which have been stalled for more than two years.

Kim traveled to China in May in a trip seen by many as an attempt to secure aid, investment and support for a transfer of power to his youngest son Kim Jong Un. It was Kim's third visit to his country's closest ally in just over a year.

___

Hyung-jin Kim, Foster Klug and Jiyoung Won reported from Seoul, South Korea.

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/ap/20110823/ap_on_re_eu/eu_russia_nkorea

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