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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Jobs report weakens Obama's election argument

President Barack Obama speaks about jobs for veterans, Friday, June 1, 2012, at Honeywell Automation and Control Solutions Global Headquarters in Golden Valley, Minn. (AP Photo/Charlie Neibergall)

President Barack Obama speaks about jobs for veterans, Friday, June 1, 2012, at Honeywell Automation and Control Solutions Global Headquarters in Golden Valley, Minn. (AP Photo/Charlie Neibergall)

This combination of Associated Press file photos shows from left, President Obama speaking at the TPI Composites Factory, a manufacturer of wind turbine blades on May 24, 2012, in Newton, Iowa, and Republican presidential candidate, former Massachusetts Gov. Mitt Romney speaking at the Solyndra manufacturing facility on May 31, 2012, in Fremont, Calif. The weak May unemployment report released Friday, June 1, 2012, presents President Barack Obama with a sobering reminder that his stewardship of a gradual recovery from the deepest recession since the Great Depression presents a tenuous argument for his re-election. However anemic job growth and an uptick in joblessness to 8.2 percent give new resonance to Republican presidential rival Mitt Romney's campaign. (AP Photo/Charlie Neibergall, Mary Altaffer. File)

President Barack Obama boards Air Force One, Friday, June 1, 2012, at Andrews Air Force Base, Md., en route to Minneapolis. (AP Photo/Carolyn Kaster)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney holds a news conference outside the Solyndra manufacturing facility, Thursday, May 31, 2012, in Fremont, Calif. (AP Photo/Mary Altaffer)

CHICAGO (AP) ? The suddenly dismal news on American jobs is a blow to President Barack Obama's re-election argument that he has been a steward of recovery. It's heightened White House anxiety over global threats to U.S. economic growth ? and the president's political prospects, too.

The economy, Obama conceded Friday, "is not growing as fast as we want it to."

Taking a harsher tone, presumed Republican rival Mitt Romney declared that the country appeared to be "moving backward." He sought to drive home a political point from the nation's first increase in joblessness in almost a year.

After a winter when the job trends were in his favor, Obama has been forced onto the defensive by three months of lackluster to dismal growth. Confronted by Friday's report of a feeble 69,000 new jobs and an uptick in unemployment to 8.2 percent in May, Obama vigorously renewed his demand that Congress step up and enact some of his jobs proposals.

Calling the Eurozone's debt crisis a "shadow" hanging over the U.S. economy, Obama made his most urgent plea yet for measures that he said would "serve as a buffer in case the situation in Europe gets any worse."

Later Friday, speaking to donors at a fundraiser, Obama said: "Europe is having a significant crisis in part because they haven't taken as many of the decisive steps as were needed to deal with the challenge, and that's weakened Asia and that means it's harder for our exports. All this stuff makes a difference in the global economy."

The jobs numbers, issued early every month, have become the year's dominant economic barometer, a baseline from which to gauge Obama's and Romney's political fortunes in an election that rides on the pace of a post-recession recovery.

Romney, responding to the first report since he effectively clinched the GOP presidential nomination, called the figures "devastating news."

In an interview Friday with CNBC, Romney said that Obama's policies and his handling of the economy had "been dealt a harsh indictment."

Obama was in Minnesota to push his proposal to expand job opportunities for veterans and to raise money for his campaign. He also raised money Friday evening in Chicago, where he was to spend a rare night in his family home.

He said private business has created more than 4 million jobs over the past 27 months, but, he added, "as we learned in today's jobs report, we're still not creating them as fast as we want."

Still, he said, "we will come back stronger; we do have better days ahead."

The economy, struggling to recover from the worst recession since the Great Depression, has had to fend off a number of external pressures, from high oil prices to natural disasters and, now, economic troubles in Europe and a weakening economy in China.

The unemployment numbers, while imprecise and typically a lagging indicator of economic performance, are nevertheless an undeniable marker of the human cost of a weak economy.

May's 69,000 new jobs and downward adjustments for March and April mean the economy has averaged just 73,000 jobs a month over the past two months. That's half of what's needed simply to keep up with population growth and is a dramatic drop from the 226,000 jobs created per month in the January-March quarter.

May's 8.2 percent jobless rate, the first increase in 11 months, reflected more people coming back into the job force, but that was a thin silver-lining to an otherwise discouraging report.

No president since the Great Depression has sought re-election with unemployment as high as that, and past incumbents have lost when the rate was on the rise.

The economy is central to each candidate's argument ? Obama wants it to be a choice between his and Romney's economic visions; Romney wants it to be referendum on Obama's economic policies.

Obama is counting on an unemployment trajectory that has fallen from a high of 10 percent in October 2009. The president likes to point to the 3.8 million jobs created since he became president, though 12.5 million people remain unemployed. He highlights the resurgence of the auto industry following government bailouts of Chrysler and General Motors.

Friday's report seriously dampens Obama's message, though the May numbers may end up doing more damage to Obama's short-term political standing than to the economy long-term.

The United States has experienced periods of jobs slowdown for the past three years, only to bounce back. Last year, from May to August, job growth averaged 80,000 a month and from June through September of 2010, the average was 76,000.

Hiring, housing, consumer spending and manufacturing all appear to be improving, yet they remain less than healthy. Economists surveyed by The Associated Press expect growth to pick up this year, though not enough to lower unemployment much.

Eager to draw attention to his challenger, Obama has mounted a step-by-step assault on Romney's economic record, from his days as a venture capitalist to his tenure as Massachusetts governor from 2003-2007.

The Obama campaign released a new online video Friday that features several of Romney's former Republican political foes, including Rick Santorum and Newt Gingrich, criticizing Romney's economic record.

But speaking to a group of donors in Chicago, Obama said the election would be close. "The reason this is going to be a close race is we've gone through a tough four years on top of a tough decade for a lot of families before that. And folks feel worn out and if you don't have a job you don't care that there have been 4 million jobs created."

Romney, now free from his primary contests, has aimed at Obama's economic policies, arguing that they have slowed the recovery, not aided it. The Republican has emphasized his own background in private business to argue that he's qualified to lead a nation in economic turmoil.

On Friday, his campaign released a new television ad promising "a better day" and declaring that a Romney presidency would focus from the start on the economy and the federal deficit, unleash U.S. energy resources and stand up to China on trade. "President Romney's leadership puts jobs first," the ad states.

Obama could face the highest unemployment rate on Election Day of any president since Franklin Delano Roosevelt. But his aides argue that the trend line is more important than the actual number. Jimmy Carter lost his re-election bid in 1980 to Ronald Reagan as unemployment climbed from 6 percent to 7.5 percent. George H.W. Bush lost to Bill Clinton in 1992 as unemployment rose from 6.9 percent to 7.6 percent.

While Reagan faced an unemployment rate of 7.4 percent in October 1984, the rate had been dropping since the spring of 1983. He went on to win re-election.

___

Obama campaign video: http://www.youtube.com/watch?v=sB7vuo2piak

Associated Press

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Denver archbishop: HHS mandate an attempt to remove religion ...

Denver, Colo., Jun 1, 2012 / 04:02 am (CNA/EWTN News).- Denver's newly-appointed archbishop says the federal contraception mandate is the result of a larger push to remove religion from the public sphere.

?Essentially what people are saying to us is, 'We want you to pretend you're agnostic or atheist like us, and that is the way society should be,'? Archbishop Samuel J. Aquila explained to CNA on May 28, as he assessed the thinking that made the mandate possible.

?Today what is happening is that those who do not want faith in the public square are really saying, 'It's our lack of faith, our unbelief that we want you to follow,'? he said.

Archbishop Aquila, who was announced as the new Archbishop of Denver on May 29, called the federal mandate a direct infringement on the First Amendment that is simply another example of? ?the erosion of religious liberties? which has been occurring for some time.

?It's the violation of our consciences and it is the violation of religious liberty,? he said.?

In its current form, the federal contraception mandate would force employers to purchase health insurance to cover birth control, sterilizations and abortion-inducing drugs even if doing so violates their religious beliefs.

Health and Human Services Secretary Kathleen Sebelius, announced a narrow ?exemption? from the mandate for religious organizations that serve and employ only members of their own faith on Feb. 10.

Since then, 43 Catholic organizations across the country, including dioceses, charities, hospitals and universities, have filed lawsuits against the Obama administration on the grounds of religious liberty.

Bishops from every diocese in the U.S. have spoken out against the mandate, warning that it poses a serious threat to religious liberty and could force such organizations to shut down.

Archbishop Aquila said that he would ?continue to speak out? against the mandate and will ? help people to recognize the violation that is taking place.?

Christians, he said, should do the same, even if doing so is unpopular.

?If we become martyrs, so be it,? he said. ?It is for the Lord that we do it.?

Although such comments may sound pessimistic, the archbishop said that history has already proved that the Catholic Church is able to withstand such opposition.

Throughout the 2,000 year history of Christianity, ?there have been the rise and fall of many governments,? Archbishop Aquila said, ?but the Church is still here.?

Tags: Contraception mandate, Religious freedom

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Cosmic calculations for exploring where stars are born

ScienceDaily (May 31, 2012) ? A University of Delaware-led research team reports an advance in the June 1 issue of Science that may help astrophysicists more accurately analyze the vast molecular clouds of gas and dust where stars are born.

Krzysztof Szalewicz, professor of physics and astronomy at UD, was the principal investigator on the National Science Foundation funded research project, which solved equations of quantum mechanics to describe more precisely the interactions between molecules of hydrogen and carbon monoxide, the two most abundant gases in space.

Such calculations are important to spectroscopy, the science that identifies atoms or molecules by the color of light they absorb or emit. Sir Isaac Newton discovered that sunlight shining through a prism would separate into a rainbow of colors. Today, spectroscopy is essential to fields ranging from medical diagnostics to airport security.

In astrophysics, spectrometers attached to telescopes orbiting in space measure light across the visible, infrared, and microwave spectrum to detect and quantify the abundance of chemical elements and molecules, as well as their temperatures and densities, in places such as the vast Orion Nebula, a celestial maternity ward crowded with newborn stars, some 1,500 light years away.

Whereas carbon monoxide -- the second-most abundant molecule in space -- is easily detected by spectrometers, such is not the case for hydrogen. Despite ranking as the most abundant molecule in space, hydrogen emits and absorbs very little light in the spectral ranges that can be observed. Thus, researchers must deduce information about molecular hydrogen from its weak interactions with carbon monoxide in the interstellar medium (the stuff between the stars).

"The hydrogen spectra get lost on the way, but carbon monoxide is like a lighthouse -- its spectra are observed more often than those of any other molecule," Szalewicz says. "You can indirectly tell what the density of hydrogen is from the carbon monoxide spectra."

Szalewicz and co-authors Piotr Jankowski, a former UD postdoctoral researcher who is now on the chemistry faculty at Nicolaus Copernicus University in Torun, Poland, and A. Robert W. McKellar, from the National Research Council in Ottawa, Canada, wanted to revisit the spectra of the hydrogen and carbon monoxide complex. The first time such a calculation was done was 14 years ago by Szalewicz and Jankowski, parallel to an accurate measurement by McKellar.

In their computational model, the scientists needed to determine first how electrons move around nuclei. To this end, they included simultaneous excitations of up to four electrons at a time. The energy levels produced by the rotations and vibrations of the nuclei then were computed and used to build a theoretical spectrum that could be compared with the measured one.

The team's calculations, accomplished with the high-powered kolos computing cluster at UD, have resulted in theoretical spectra 100 times more accurate than those published 14 years ago. The theoretical and experimental spectra are now in near-perfect agreement, which allowed the team to "assign" the spectrum, that is, to determine how each spectral feature is related to the underlying motion of the nuclei, Szalewicz says.

The combined theoretical and experimental knowledge about this molecular complex now can be used to analyze recent results from satellite observatories to search for its direct spectral signal. Even more importantly, this knowledge can be used to get better information about the hydrogen molecule in space from indirect observations, Szalewicz notes.

"Spectroscopy provides the most precise information about matter that is available," he says. "I am pleased that our computations have untangled such a complex problem."

Szalewicz's expertise is in numerically solving the equations for the motions of electrons resulting in molecules attracting or repelling each other and then using these interactions to look at different properties of clusters and condensed phases of matter.

His research has unveiled hidden properties of water and found a missing state in the beryllium dimer, both results previously reported in Science, and his findings about helium may lead to more accurate standards for measuring temperature and pressure.

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Story Source:

The above story is reprinted from materials provided by University of Delaware, via Newswise. The original article was written by Tracey Bryant.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. P. Jankowski, A. R. W. McKellar, K. Szalewicz. Theory Untangles the High-Resolution Infrared Spectrum of the ortho-H₂-CO van der Waals Complex. Science, 2012; 336 (6085): 1147 DOI: 10.1126/science.1221000

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

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Cal FC upsets Timbers in US Open Cup match

By ANNE M. PETERSON

AP Sports Writer

Associated Press Sports

updated 2:31 a.m. ET May 31, 2012

PORTLAND, Ore. (AP) - Artur Aghasyan scored in the first overtime and Cal FC, an amateur team coached by former U.S. national team standout Eric Wynalda, upset the Portland Timbers 1-0 in a third-round match of the U.S. Open Cup on Wednesday night.

Aghasyan, who played for a time last season with Real Salt Lake, charged Portland goalkeeper Troy Perkins in the 95th minute and rifled the ball into the goal as Perkins slid on the turf.

Cal FC, based in Thousand Oaks, Calif., is part of the U.S. Adult Soccer Association and features several former pro players on its roster. The team beat the Kitsap Pumas of the USL Premier Development League and the USL Pro's Wilmington Hammerheads to advance to Wednesday night's match.

"I don't know what to tell you guys," Wynalda said after the match. "I'm a little taken aback by all of this."

Cal FC advances to a fourth-round match against the Seattle Sounders, who have won the last three U.S. Open Cup titles.

Cal FC celebrated on the field long after the victory, pausing to get their pictures taken and applauding the Timbers Army supporters' group, which chanted "Beat Seattle!"

"This team trained once this week," Wynalda said. "All credit to them to figure out how to come out of here victorious. It's pretty amazing."

Seven MLS teams were eliminated on Tuesday from the 99-year-old tournament. The Timbers did not take the match lightly, using many of their regular starters, including Scottish striker Kris Boyd.

Portland was clearly the stronger team but couldn't finish numerous chances, while Cal FC showed tenacity throughout the match.

"There's no excuses for tonight. No excuses whatsoever," Portland coach John Spencer said. "We should come here, we should win the game. I don't think we should win the game easy, but I don't think we should lose the game. Not at all. Totally unacceptable. And there's no excuses."

At one point the fans chanted "care like we do" to the home team.

Portland's Darlington Nagbe fired the ball from atop the box in the 23rd minute, but it was scooped up by goalkeeper Derby Carillo. Eric Alexander also had a chance in the 42nd minute, but his shot just skimmed over the crossbar.

Portland kept most of its starters in for the second, but still had no luck finding the goal. Sub Brent Richards and forward Jorge Perlazza got off three threatening shots, but all went over the bar.

But the crowd was most stunned when Boyd's penalty kick in the 80th minute also sailed over the top.

"Disappointed in myself," a somber Boyd said afterward. "It was a good chance to win the game. I'm disappointed."

The Timbers got stung at the end of regulation when Boyd appeared to twist his left ankle just outside of Carillo's goal. Boyd walked gingerly to Portland's bench. He said afterward that it was not serious.

Carillo finished with 15 saves. Perkins made two.

Cal FC will face the Sounders on June 5 in Tukwila, Wash. Seattle defeated the NASL's Atlanta Silverbacks 5-1 Wednesday night to advance.

The U.S. Open Cup is a single-elimination tournament open to all U.S. Soccer affiliated teams, from the amateur to the professional level. In 2006, Roma FC, a Dallas-based amateur team, made it to the fourth round before losing to the Los Angeles Galaxy.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Tub to Shower Conversion Products and New Business Opportunity ...

Salt Lake City, Utah (PRWEB) May 30, 2012

As the housing market continues to struggle, more and more homeowners have decided to stay put in their current houses. As a result, remodeling projects have skyrocketed in popularity as people make upgrades and improvements throughout their homes.

One of the most popular rooms to remodel is the bathroom. From old and chipped bathtubs to showers that have seen better days, homeowners around the country are eager to re-do their worn-out bathrooms with projects like a shower remodeling or a tub to shower conversion.

Lloyd Peterson, founder of the BathCrest company, understands how people feel about the look of their bathrooms. Prior to opening his own company, Lloyd worked as a real estate broker, and found it extremely difficult to sell homes with outdated bathrooms.

That is why, since the first day BathCrest opened for business, Lloyd and his staff has worked extremely hard helping their customers update the look of their bathrooms with their popular EasyCare Bath and Shower System. These products, which are both attractive and economical, have helped thousands of homeowners throughout the United States and Canada to complete a bath remodeling project in less time and for less money.

The company, which has been in business for over 30 years, recently announced an exciting new business opportunity for home improvement stores that are looking to grow both their business and their profits. The EasyCare Bath and Shower System bath remodel products are now available to qualified companies across the United States and Canada.

As an article on the companys website noted, smart business owners who are looking to increase their product line as well as their bottom line are welcome to call the friendly and knowledgeable BathCrest staff at 866-289-2607 to see if the EasyCare Bath and Shower System is right for them.

If your company qualifies, we will train you and help you implement EasyCare Bath and Shower products into your current business product line, the article explained, adding that territories are limited so any interested business owners should try to call as soon as possible.

We are looking for people and companies currently in the home improvement industry with great customer service and business track record.

About BathCrest:

For over 30 years, BathCrest has helped thousands of homeowners across the United States and Canada improve the look of their bathrooms. The companys popular bath, shower and wall surrounds are well-known for being both elegant and economical, as well as quick to install. The company produces all of its acrylic products in its 90,000 square foot manufacturing plant to the highest possible industry standards. For more information, please visit http://bathcrest.com/Bathcrest/business_opportunity

Tags: Shower, EasyCare Bath and Shower, United States and Canada, Canada, Home and Garden, Business, Shopping, bathrooms, Salt Lake City, United States, Utah, PRWEB, renovation, BathCrest, Bathroom

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Qualities of a Good Roofing Contractor

When you are about to call a roofing contractor for your roof repair or replacement work, you must take time to research and find out about good roofing contractors in the vicinity. Read on to find out about what qualities you must look for in a roofing contractor before you hire him for the job.

Reputation

Always make it a point to check the credentials of the roofing contractor you are going to hire. As soon as you think you want to get a quote from a particular roofing contractor, research a bit about the company or the professional. There are a lot of customer reviews and testimonials that will give you a fair idea of what to expect from the contractor. Most roofing contractors have their own websites wherein they describe their work and how they have fared so far. But a little research on your own will help you understand if the contractor is really worth hiring. You can also talk to your neighbors and people you know to recommend a good roofing contractor for your home.

Experience

When it comes to home insurance and roofing repairs, it is important to hire a contractor who is experienced in carrying out repair work of all types for bringing back your roof in good condition again. When you talk to the roofing contractor, he should be able to tell you in a single inspection regarding the work and cost estimates. A roofing contractor who leaves out minor or major details in roofing work can actually make you spend more over a longer period of time and also give you a roof that may not be all that secure. New roofing contractors may also not give you complete quotes about roofing work and this could make you seek other contractors for remaining work. This should be avoided.

Expertise

Roofing repairs may become necessary if the house is being renovated, is under construction or has just been through a hailstorm. The roofing contractor you call for inspection must be able to identify the problem areas quickly and suggest repairs and be able to give you quality work within a relatively short span of time. An expert roofing contractor will be a thorough professional who will waste no time in giving you the right estimates. When you search for a roofing contractor, make sure you find out about how long they have been in business.

Communication

Communication is the key to good service. If the roofing work requires the roofing contractor to send more than one staff to handle your work or if you think the work will take more than a couple of days, a good professional contractor would make sure he communicates promptly with you. He should keep you informed about the work, make sure the staff is efficient, caring, and professional and have high work ethics. Most importantly, the roofing contractor must never delay any work for unnecessary reasons and if the need arises should communicate it to you promptly.

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