January 17th, 2017

Non Profit Debt Counseling As Part Of Debt Consolidation

By Gibran Selman

With an increasing number of Americans falling into a debt trap, as many as an additional one and a half million people are seeking debt counseling every year. An average American has an average debt of $9,400, and seeking debt counseling is becoming a popular move. You have splurged in the past and are now finding it hard to maintain your living standards. To get back onto your financial track, you need to look towards non profit debt counseling as part of your debt consolidation plans.

People who have mismanaged their finances in the past, and have landed in this financial mess, need serious debt counseling. Non profit debt counseling services are a part of many debt consolidation companies, whose specialists provide expert debt counseling. They advise you on the ways to manage your finances and how to prevent falling into a financial mess again.

The main aim of such services is to educate you on debts and how it affects your life adversely. You pay your debts by debt consolidation through these non profit debt counseling companies, which also guide you in financial planning, and how to develop a budgeting system to keep you on track. With counseling, your knowledge of commercial debt increases, making you more careful in the future.

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Along with the guidance that these non profit debt counseling companies provide, they also provide personal assistance by recommending ways to solve the crisis you have got yourself into. With your overburdened debt, and no idea how to get out of it, you would be pleased if such debt counseling companies handle your debts. Offering debt consolidation services along with their non profit debt counseling services, they will merge all your debts into a single large debt, making it easier for you to discharge your debt by a single check each month.

The main objective of non profit debt counseling services is to help you take charge of your finances.

About the Author: For more articles on Debt Consolidation please go to:


Gibran Selman takes care of debtconsolidationcenter.net

a website dedicated to gather information, on and off the internet, about debt consolidation and other related subjects.



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Commonwealth Bank of Australia CEO apologies for financial planning scandal

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

On the campaign trail in the USA, October 2016

Sunday, November 6, 2016

The following is the sixth and final edition of a monthly series chronicling the U.S. 2016 presidential election. It features original material compiled throughout the previous month after an overview of the month’s biggest stories.

In this month’s edition on the campaign trail: the Free & Equal Foundation holds a presidential debate with three little-known candidates; three additional candidates give their final pleas to voters; and past Wikinews interviewees provide their electoral predictions ahead of the November 8 election.


  • 1 Summary
  • 2 Free & Equal Debate
  • 3 Final pleas
  • 4 Predictions
  • 5 Related articles
  • 6 Sources
California releases search warrant for Wells Fargo bank on identity theft

Saturday, October 22, 2016

The California Department of Justice on Wednesday released the warrant and affidavit of a criminal investigation of the Wells Fargo bank. The State of California served the warrant on October 5 to search the San Francisco headquarters of Wells Fargo for felonious activities related to identity theft.

The warrant said property to be seized at the bank’s San Francisco headquarters was related to the unauthorized creation of accounts by Wells Fargo employees including the names of individuals for the accounts; account information and fees; the names of employees and their managers who created accounts without the consent of the Wells Fargo customers in question; and all communications including emails referencing the unauthorised accounts.

California Attorney General Kamala Harris’s criminal probe is part of an increasing list of officials nationwide questioning the business practices of Wells Fargo such as California State Treasurer John Chiang who announced a one-year suspension of State investment with the bank on September 28; Illinois State Treasurer Mike Frerichs followed suit with a year-long ban on October 3; and Democratic United States Senators Bob Menendez of New Jersey, Jeff Merkley of Oregon, and Elizabeth Warren of Massachusetts, who wrote to the U.S. Security Exchanges Commission (SEC) suggesting investigation on September 29.

October 16th, 2016

Going Green With Low Home Mortgage Rates

Submitted by: Home Loan Center Editorial Staff

While the most obvious way to save money on your home is by securing a low mortgage rate, savvy homeowners can also reap financial benefits from the latest energy-efficient products and environmentally-friendly technology. Whether you install solar panels, a green heating and cooling system, or explore new uses for old materials, it pays to supplement low home mortgage rates with money-saving ideas.

Energy Audit

You can hire a professional to evaluate your home s energy efficiency, or perform your own inspection. The areas most likely to give you trouble are inadequate water heater and home insulation, and the leaks around windows and doors that reduce the efficiency of your heating and cooling systems, depending on the season. Check the U.S. Department of Energy s website for more recommendations.

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Big Savings at Tax Time

The Energy Policy Act of 2005 (EPACT) offers consumers and businesses the opportunity to earn federal tax credits for buying energy-efficient products such as hybrid cars and home appliances. Your potential savings are impressive, particularly coupled with any additional tax incentives your state may offer for choosing energy-efficient products. To learn more about state tax rebates, check with your state government office.

Products that qualify for federal tax credits under the EPACT include most solar-powered water heaters and energy-efficient features such as roofs, insulation, and heating/cooling systems. If the cost of updating your home is intimidating, you might take advantage of today s low home mortgage rates and apply for a home equity or line of credit loan (HELOC). The interest paid on these types of loans may be tax-deductible and provide another financial break!

Shopping Smarter

Selecting green appliances is easier, thanks to the Energy Star system, which is designed to help consumers identify energy-efficient models. Other innovative choices include money-saving tankless water heaters and geothermal heat pumps, which use an underground pump to cool the house in summer and provide heating in winter.

What about new home construction? According to the U.S. Department of Energy and the Environmental Protection Agency, new homes that qualify for the Energy Star rating can save their owners hundreds of dollars in utility bills for services. This could translate to thousands of dollars back in your wallet, over the time you live in that energy-efficient home.

Whether you re building a new home or upgrading an existing property, taking time to research green options makes sense. Rising oil prices and fluctuating home mortgage rates can mean higher prices at the pump and tighter monthly cash-flow. Energy-efficient products and technology go a long way to helping you manage your expenses and protecting our environment from potential harm.

About the Author: To learn more about

low home mortgage rates

and saving money, visit

Home Loan Center.



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Elephants Dream: Free content 3D film released to the Internet

Friday, May 19, 2006

The 3D animated short film Elephants Dream, formerly known as Project Orange, was released to the Internet yesterday. The film is available under the Creative Commons Attribution License, allowing anyone to download, modify and distribute it. The 10-minute film has been called “the first open source movie” by NewsForge. Not only is the movie itself free content, even the computer files containing the 3D models used in the film are available under the same terms.

The project was first announced one year ago and was jointly produced by the Blender Foundation and the Netherlands Media Art Institute. The film tells the story of Emo and Proog, two men trapped inside a surreal machine world. Only freely available open source software was used to create the movie. Most of the work was done using Blender, a 3D modelling and rendering tool. The Blender Foundation is selling an extended edition on DVD, which includes subtitles in 34 languages, a Making Of documentary, commentary tracks, and all files used to create the movie.

In spite of the successful completion of the project, the Blender Foundation “has no intention to grow or expand into a company or studio” according to the project website. “Instead, the Foundation aims at endorsing and supporting activities within (educational) institutes, universities and companies.”

 This story has updates See Interview with Ton Roosendaal about Elephants Dream and free content movies, May 21, 2006 
Strongest earthquake in 40 years hits Southeast Asia

Sunday, December 26, 2004

Indian Ocean – The death toll continues to grow and millions face a homeless life in the new year as coastal communities in south Asia struggle against continued aftershocks and flooding caused by the largest earthquake to strike the planet in more than a generation.

The magnitude 9.0 undersea megathrust earthquake struck off the western coast of Sumatra, Indonesia on December 26, 2004, at 00:58:50 UTC (or 07:58:50 local time in Jakarta and Bangkok).

The earthquake was the strongest in the world since the 9.2-magnitude Good Friday Earthquake which struck Alaska, USA in 1964, and the fourth largest since 1900. More than 140,000 deaths[1] were caused by resulting tsunami, which in Thailand were up to 10 meters (33 feet) tall, and struck within three hours of the initial event.

Multiple tsunamis struck and ravaged coastal regions all over the Indian Ocean, devastating regions including the Indonesian province of Aceh, the coast of Sri Lanka, coastal areas of the Indian state of Tamil Nadu, the resort island of Phuket, Thailand, and even as far away as Somalia, 4,100 km (2,500 mi) west of the epicenter.

While the earthquake and the tsunamis are no longer ongoing (other than aftershocks), the humanitarian and economic crisis generated by the disaster is still ongoing. This report will attempt to cover the crisis as it continues to develop.


  • 1 Damage and casualties
  • 2 Quake characteristics
  • 3 Post-tsunami humanitarian situation
    • 3.1 Humanitarian assistance
  • 4 Related news
  • 5 See also
  • 6 External links
    • 6.1 Aid efforts
    • 6.2 Video and Pictures of the devastation
  • 7 Video
  • 8 Pictures
Blender Foundation launches open movie, open game projects

Monday, June 11, 2007

The Blender Foundation, which maintains the open source 3D tool Blender, has announced two new projects, codenamed Peach and Apricot. Project Peach will be a new open source movie, following in the footsteps of last year’s Elephants Dream project (which was initially codenamed Orange). Apricot, on the other hand, will use Blender in conjunction with open source 3D framework Crystal Space to create an open game, thereby showcasing both technologies.

The Blender Foundation published the plans on its website on Sunday. In order to support these and future projects, it will also set up a permanent studio called the “Blender Institute”, where software developers and artists can work together in a single location.

The Peach movie project will be headed by Sacha “Sago” Goedegebure from the Netherlands and Lyubomir Kovachev from Bulgaria. Goedegebure is well known in the Blender community for the “Man in Man” animation, which won the 2006 Suzanne Award for Character Animation. Where the theme of Elephants Dream was dark and industrial, Peach will be “funny and furry”, according to the project announcement. The project is to be completed within 6 months, beginning October 1.

Blender’s open game project is still at an earlier planning stage, and details will be announced at the Crystal Space Conference in July. According to the published plans, the project will also be completed within 6-8 months, and it will have a budget of more than 50,000 Euros.

August 11th, 2015

What Is Andy Willoughby’s 3 Step Plan?

By Daniel Cunningham

In a nutshell the 3 step plan is an invitation to become a distributor for XanGo mangosteen juice. XanGo LLC. just might be the country’s fastest growing multi-level (pyramid) marketing company. On the website http://www.3stepplan.com Andy Willoughby says fill out the form and a regular person not a salesperson will give you a call. The person that calls you is a distributor for XanGo, and they put you on a “3 way” connection with a recorded sales message. Then they mail you their complete sales package.

How do you make money?

XanGo is a lot like Amway. You pay a membership fee (about $35); this entitles you to buy their product XanGo juice at the exclusive wholesale price of about $100 a case. If you check out EBay you can usually get a case for a lot less. A case contains four 25 ounce bottles. You are required to buy at least one case per month, to remain as a distributor and to qualify for down line commissions. Plus you need to buy marketing materials. The object is to sell your bottles for $38 each, for a $13 per bottle profit. To get rich you’re going to have to sell a lot of bottles. If you are making a $13 per bottle profit you will have to sell around 50 bottles a week just to make about $30,000 grand a year.

This is where the multi level marketing comes in.

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If you really want to make money you need to recruit new members in your “down line” where you will get 5% of their sales.

Where do you find new members? You can go out and recruit friends and family. You can advertise or cold call for new members. Or you can have the people at XanGo do it, for approximately another $100-$500 per month they will get leads for you.

Where do these leads come from? They come mostly from the radio ads; remember “How in the world are you, anyways?’ Ta da! You are now the distributor talking to new prospects.

How much can you make?

The real money in multi level marketing is always at the top of the pyramid. You can make good money with this business but just like any type of home based business nothing comes easy you must work for it and you must invest in your business. You are going to have to shell out a membership fee, pay for a required monthly shipment, buy marketing materials, and spend time finding new customers and distributors. If you do all this the money will come. There are many success stories from the people at XanGo.


This business isn’t for everyone, but if you are looking for a turnkey business XanGo isn’t a bad choice, just be willing to work hard. I just wanted people to know what they were getting into before they start. I liked the juice; I didn’t use it long enough to see any real effects. I just didn’t want to be a part of a MLM company. In my opinion there are better ways to earn money working from home. Check out my recommendations for the best work at home products and systems.

About the Author: I’m Dan Cunningham. I am an investor and entrepreneur. Feel free to contact me with any questions or leave a comment.

Rabbit’s Report on Internet Wealthdan@rabbitsreport.com



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August 11th, 2015

Muslim hair stylist sues hairdresser over alleged discrimination

Friday, November 9, 2007 

British-born Muslim hair stylist Bushra Noah is currently undertaking legal action against the owner of a hair salon for alleged religious discrimination. Noah is suing London hair salon owner Sarah Desroiser. Desroiser who runs a salon in King’s Cross, has said that she would not accept Noah as a stylist if Noah’s hair was covered. Noah, like many devout Muslims keeps her hair covered in public places, believing it to be immodest otherwise.

Noah claims that her headscarf is a fundamental part of her religious beliefs and that wearing the scarf would not interfere in her carrying out the job at all. Desrosiers said that it is not discrimination but rather that “the essence of my line of work is the display of hair. To me, it’s absolutely basic that people should be able to see the stylist’s hair. It has nothing to do with religion. It is just unfortunate that for her covering her hair symbolises religion.” Desosiers added that she had worked with Muslims in the past and employs a Muslim accountant.

Noah claims that the state of her own hair is irrelevant to her ability to style others hair.

The last few years have seen a string of similar cases in Britain. Last year, there was a case over whether a British Airways employee could wear a prominent cross, and another case in which a teacher argued that she had a right to wear a Jilb?b (a traditional Islamic dress that covers almost the entire body) in the classroom. In that case, the teacher lost in the High Court.