Wednesday, June 17, 2009

How President McCain Might Have Handled Iran

Days like today are one reason I supported the no-nonsense war hero John McCain over Barack Obama.

After the presidential election in Iran was apparently stolen, thousands of protesters took to the streets. Instead of the United States boldly supporting the cause of liberty, and defending dissidents, President Obama meekly said, "It's not productive given the history of U.S.-Iranian relations to be seen as meddling."

That -- of course -- was not a great moment in leadership.

President John F. Kennedy did not say we would "bear any burden -- so long as we don't interfere." Nor can one imagine Winston Churchill saying, "We will fight on the land -- so long as we don't meddle." Nor can one imagine Ronald Reagan saying "Tear down this wall! -- if you're cool with it..."

If the strongest nation in the free world is not willing to take a stand and at least provide moral support for those willing to risk their lives for liberty, the America I know is long gone. While it is understandable for Obama to not invade a nation over this injustice, it is quite another thing to not even bother to forcefully condemn it. Having a humble foreign policy does not preclude one from moral clarity.

Meanwhile, Republican House Whip Eric Cantor (R-Va.) released a statement calling on Obama to "take a strong public position in the face of violence and human rights abuses." Cantor added that the United States has a "moral responsibility to lead in opposition to Iran's extreme response to peaceful protests." Cantor's full remarks are here.

We'll never know what President McCain would have said, but it's pretty safe to say that he would have taken a forceful stand -- once again positioning America as a beacon of freedom and the last, best hope on Earth.

Instead, we risk becoming a cynical nation that makes decisions based on perceived short-term diplomatic gain.

That's not change I can believe in.

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Sunday, February 15, 2009

Auto Lease Rates - Tips And Techniques For Affordable Leasing
By Amy Wells

Depending on your situation, auto leasing may be a more attractive option than buying a vehicle. If you are looking for a 2-3 year commitment, it may make more sense to lease instead of own. With auto leasing, since almost every vehicle depreciates or goes down in value, you are only paying for the cost of the vehicle's value that you use when you drive the vehicle, or its depreciation. In effect, you have a long term rental and you can return the vehicle at the end of the lease agreement. In order to make auto leasing work, its key to get the best auto lease rates.

Knowing what goes into your overall lease rate is the first step to getting a good deal. Similar to buying a new or used car, auto leasing rates can vary from dealership to dealership. There are three major components of every auto lease: a finance fee, depreciation fee, and in most states, a sales tax. If you are looking to receive a competitive auto lease rate, its a good idea to figure the overall cost of the lease and the monthly fees.

The depreciation fee is the amount you are paying the leasing company for the loss of the car value, which is averaged over the amount of months in the lease, and also factors in the amount of miles you drive. The finance fee is similar to an auto loan payment you may pay to a bank or dealer. Your monthly payment should accurately reflect these two fees, averaged over the term of your lease, and also including sales tax, if necessary.

Its easy to overpay if the dealer is offering you low monthly payments, but when added up, the payments are way more than the sticker price of the vehicle. The monthly payment can often be manipulated to appear much lower than the overall price would suggest. Your contract should show you a lease charge, which is the amount of all of these monthly finance fees over the term. This will give you a better idea of the actual cost.

If you are thinking of an auto lease, give yourself plenty of time and check your local media. The best auto lease rates are often pre-packaged for you. These are often the deals you may see in the newspaper or on television, and are usually sponsored by both the dealer and the leasing company. They will often have a set package that is unchangeable, but will usually provide a better deal than what you can negotiate on your own. Another option would be to try an online auto-pricing service that handles the negotiations for you, if you fill out an application with several companies, you can choose the best deal being offered.

Finding competitive auto lease rates does not have to be intimidating. By doing your homework and keeping an eye out for dealer incentives, you can often get a great rate. If you take your time, you won't feel pressured when shopping for an auto lease, and can make an informed choice.

Amy Wells writes and reports on consumer finance

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Friday, December 12, 2008

Auto Finance Tips


Making sure to finance a vehicle properly will greatly reduce the cost of your next new or used car. "Auto Financing" is a general term meaning how you pay for the vehicle. In most cases, cars are financed by taking out an auto loan to buy or lease the car. This involves getting a credit check. By checking your credit history first, and answering all the tough car finance questions up front, you will be more prepared to handle issues at the dealership.

In the articles on these pages we will not only look at the general topic of car finance but we will consider the related topics of credit history, car loan refinancing, auto insurance and all issues pertaining to special car finance considerations. Although most people don't like to think about the subject of auto financing (instead they like to focus on that shiny new car) it is actually the most important part of car buying. While your credit will be checked by the salesman, often before negotiations begin, this is not the only way you can go to get your new car. You do not have to throw yourself at the mercy of the dealership even for special car finance situations. Being prepared before you get to the dealership will mean that you can take charge of your credit and get the new car loan that serves you best.

Keep this in mind: when you negotiate with the salesman for the most favorable auto loan, nothing is permanent until you have it in writing. The sales contract is prepared once negotiations seem to be over. This is handled in the finance and insurance office (the so-called "F&I Room"). It is here that the deal is made or lost. By reading these articles on new and used car financing you will be better prepared to get the best auto loan possible. And who knows? With the money you will be saving, maybe you can move up to that more expensive new car you've been eyeing.


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Sunday, October 26, 2008

3 Tips to Choose the Best Credit Repair Service

By Link Robertson

Many credit repair services make it sound as if all you have to do is pay them and your credit report will be fixed. However this is not true, below is a criteria you should use when choosing a service.

Do Not Pay Large Fees

Many services will charge large upfront fees. Instead look for more standard rates such as $179 for a start up fee and then a monthly fee of $100 or less. Some services will charge per action, I do not suggest this as your fees can add up quickly to more than $100 / month.

Also you should avoid a company that says you must make a large upfront payment, these companies are typically not effective services and are looking to make a quick buck at your expense.

Look For Refunds Not Guarantees

Credit repair can not be guaranteed, esspecially upfront. This is similar to a defense attorney guaranteeing that you will be found innocent of a criminal charge - IT CAN NOT BE DONE

I strongly suggest you avoid any service that make a guarantee, instead look for a refund policy or warranty. Many good services will offer a refund if their service is ineffective or you are not satisfied.

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Friday, October 24, 2008

About Credit Restoration Associates:

Credit Restoration Associates is a credit service organization specializing in the restoration of consumer credit worthiness and identity theft. We assist consumers in achieving a favorable financial credit profile. Everything we do is legal utilizing laws enacted by Congress to dispute negative, erroneous, obsolete, and/or fraudulent information contained within your consumer credit profile.

Utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, and the Fair and Accurate Credit Transactions Act, Credit Restoration Associates will assist a consumer in the submission of disputes electronically, verbally and in writing to the Equifax, Experian and Trans Union consumer reporting agencies in addtion to creditors, collection agencies and third-party record providers. Keep in mind that anything we do, you can do yourself. Where Credit Restoration Associates has the edge is the fact we possess the knowledge and a proven method which yields results.

Unlike most credit service organizations that submit the same written dispute letters monthly, Credit Restoration Associates has devised a strategy whereby disputes are submitted verbally, electronically and in writing over a six month period to credit reporting agencies, creditors, collectors, and third-party record providers reporting negative, inaccurate and/or erroneous information. Utilizing the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Fair Credit Billing Act, the Fair and Accurate Credit Transactions Act, in addition to laws applicable to a particular state, Credit Restoration Associates has obtained thousands of deletions and updates for its clients. Credit Restoration Consultants can help remove erroneous and/or inaccurate judgments, liens, bankruptcies, student loans, inquiries, derogatory tradelines, personal identifiers and more! The credit restoration process can take anywhere from 30 days to six months. Most clients see dramatic results in 45-60 days.

Credit restoration is as legal as pleading "not guilty" in a court of law. With that said, though, one must understand that Credit Restoration Consultants is not a law firm and that none of its employees is an attorney licensed to practice law in the state of Florida. As such, Credit Restoration Associates cannot provide legal advice nor represent any individual before any court or in any legal proceeding. In the event that legal representation is required, Credit Restoration Associates may provide an appropriate referral for consultation.

Credit Restoration Associates Hour

Have bad credit? Need credit repair? Care to repair your own credit or even hire a credit service organization? Before you do so, you should tune into the Credit Knowledge Hour with credit repair expert Link Robertson. Link can be heard weekday's on the 9's - both 9:00 a.m. and 9:00 p.m. eastern time - on AM 1140 WRVA in Richmond Virginia. For those listening online, streaming audio can be accessed at by clicking on the listen live link.

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Saturday, July 26, 2008

Wednesday, May 14, 2008

Automotive Finance F&I Insurance

A College Degree is important to achieving real success in life. Now is better than later. Research online colleges if you cannot take the time from job and family to attend a "brick and morter" university.

Better yourself today. Reading the posts on the Finance Blog will increase specialized knowledge but to really succeed, you must increase your general knowledge. Work toward getting your college degree today.