Archive for July 30th, 2010
Moving to Bowling Green, KY
Friday, July 30th, 2010In 1906 Henry Hardin Cherry, the president and owner of Southern Normal School, donated the school to the state as the basis of the Western State Normal School. The school trained teachers for the expanding educational needs of the state. This institution, now known as Western Kentucky University, is the second largest public university in the state of Kentucky , having recently grown larger than the University of Louisville.
In 1906, Doctors Lillian H. South, J. N. McCormack , A.T. McCormack opened St. Joseph Hospital to provide around the clocknursing and medical care to the residents and students in the area.
In 1925, the Kentucky Street Rail Depot was opened . About 27 trains arrived daily at the depot. Local bus lines were also a well-liked form of getting from place to place . By the 1950s, both of these forms of transportation had dramatically declined as highway construction was subsidized by the federal government and the the primary means of travel became the private car .
In 1940, Bowling Green’s ecomomy wsa signifigantly bolstered by a Union Underwear factory . During the 1960s, the city’s population began to surpass that of Ashland, Paducah and Newport.
Downtown streets became a bottle-neck for traffic. Roln ute 31W Bypass was opened in 1949 to alleviate traffic problems but it also drew off business from downtown. The bypass grew to become a business hotspot in Bowling Green. A 1954 advertisement exclaimed, “Your business can grow in the direction Bowling Green is growing — to the 31-W By-Pass”
By the 1960s, the face of shopping was changing completely from the downtown square to suburban shopping centers . Between May and November 1967, stores in Bowling Green Mall were opened for business. Another advertisement said, “One stop shopping. Just park free, step out and shop. You’ll find everything close at hand.” Between September 1979 and September 1980, stores in the larger Greenwood Mall came inline. The city’s limits began to stretch toward Interstate 65.
By the late 1960s, Interstate 65, which runs just to the East of Bowling Green, was finished . The Green River Parkway (now called the William H. Natcher Parkway), was completed in the 1970s to connect Bowling Green and Owensboro . These vital transportation arteries drew many industries to Bowling Green.
In 1981, General Motors moved its Chevrolet Corvette assembly plant from St. Louis, Missouri to Bowling Green. In the same year, the National Corvette Homecoming event was created, becoming a large gathering of car parades Corvette owners and related activities in Bowling Green each year. In 1994 the National Corvette Museum was constructed near the assembly plant.
In 1997, Bowling Green was designated a Tree City USA by the National Arbor Day Foundation.
Twenty-first century initiatives
In 2002 the city undertook a feasibility study on ways to revitalize downtown Bowling Green area. The Downtown Redevelopment Authority was created to plan redevelopment. Plans for the project built on Bowling Green’s waterfront assets and historic center and streetscape around Fountain Square. It also proposed a new building for the Bowling Green Area Chamber of Commerce, construction of a Riverwalk Park where downtown borders the Barren River, creation of a new public park called Circus Square, and installation of a new retail area, the Fountain Square Market.
As of the Spring of 2009, the new Chamber of Commerce, Riverwalk Park, and Circus Square have been finished . The Southern Kentucky Performing Arts Center, a facility for arts and education, broke ground in October 2009. Ground has not yet been broken for the Fountain Square Market.
Free Relocation Packages for Bowling Green, KY
House Improvements That Can Sell Your Home
Friday, July 30th, 2010The recent housing slump means that a lot of people are having a rough time trying to sell their home right now. It’s a buyer’s market when it comes to home sales right now, which means house prices are low and there are lots of houses that are currently for sale. Today’s lower prices means that a lot of home sellers aren’t getting as much profit as they’d like out of the sale of their existing home and it means they don’t have as much to spend on a new home.
In order to sell your home you’re going to have to get inventive and try to set your house apart from the others that are being sold near your own home. As a home seller you are basically in competition with the other home sellers in your area for the money from a limited collection of home buyers. One way to make your home more attractive is to spruce it up with some modern home improvements.
Of course, if you’re trying to sell your house you may not have a lot of disposable income to put towards various home improvements. The easiest way to bring a lot of potential buyers into your house is to take out a loan for some minor home improvements knowing that you will most likely make a profit when you actually sell your home. There are plenty of great free home decorating tips available. If you’re relatively handy you might want to use some borrowed money and learn how to do your own home improvements. House improvement loans can range from a few hundred dollars to thousands of dollars, and different financing amounts will give you the ability to commit to different types of projects. Here are a couple house improvement ideas in various cost ranges:
$1,000 – $6,000: House projects in this range include updating interior rooms with fresh paint, installing new baseboard molding and maybe even replacing some kitchen appliances. Projects in this lower price range should be aimed at updating a fairly new home that doesn’t need much work. Smaller home upgrade projects in this range can sometimes be financed with home improvement store credit cards or person loans.
For $8,000 – $11,000: If you’re going to borrow money for house improvement projects in this range you may want to look at a home equity loan. Major home upgrade projects like this could include putting in some new flooring, having a back yard professional landscaped or installing new doors and windows. Committing to home renovations in this range will most certainly get the attention of potential home buyers, especially if the other homes in your area don’t include some of these improvements. There are many home loans that are specifically designed for home additions. For larger home improvements it is always better to get a loan than to take money from college savings or a retirement investment plan.
It’s important to adjust your home’s selling price to reflect the recent upgrades. Your selling price should be raised but should most likely not be designed to cover the entire cost of your house improvement loan. Most home improvements do not actually recuperate all the money you put into them when you sell your home. Certain home updates like the ones mentioned above will, however, help sell your home.
The Best Way To Get Great Phoenix, AZ Movers Deals Around AZ
Friday, July 30th, 2010Most Phoenix locals enjoy working with movers instead of taking on the challenge of executing it on their own time. The general public is learning quickly and realizing that getting Phoenix movers is well worth the expense. The diminishing expense of movers is outweighing the precious time it takes to package the whole household and put it in a moving truck your self. Surfing throughout the internet makes obtaining greater deals for relocating services a lot simpler then in prior times.
Hiring Arizona movers can become a lot less of a inconvenience if you implement a few clever methods prior to the day of the move. If their will be a good deal of big and heavy objects that you don’t really have to take then leave them behind. A big portion of your moving service quote is determined by the total of areas you have and the exact weight of your stuff. You are able to see know how some straightforward housekeeping can reduce your Phoenix Phoenix, AZ Movers charges.
The sum of working hours or days that the relocation takes to finish will usually influence the Phoenix, AZ Movers quote. There certainly are a variety of things you’ll be able to do to lessen the total amount of time it requires to complete the move. Pull everything of your wall surfaces so that they are ready to be prepared an put on a moving truck. It is essential to let the movers comprehend exactly how you wish the move to take place, so don’t be timid about showing them what you want.
Phoenix movers have a tendency to put a hefty dependence on moving mileage when putting together your relocating quotes and expenses. There is most certainly a distinction from mover to mover on what they charge for range so choose the company that fits best for you. Some Phoenix moving companies are a lot more favorable towards regional moves around Phoenix and some are more friendly to cross country moves. Everything within this article is crucial to saving cash when hiring Phoenix Phoenix, AZ Movers.
Since you’ve read this post we hope that you utilize the advice to get great savings on Phoenix, AZ moving services the next time you plan to move. Getting the very best rate is going to suggest getting as many moving quotes that you are able to obtain in a reasonable degree of time. To make your life much easier be sure you look at some internet sites that enable you to fill out a quote sheet and obtain rates from several Phoenix, AZ Movers in Phoenix. Safety can be a serious problem when employing moving services from the internet so it’s a good thing that these websites confirm if they’re licensed in Phoenix Arizona. This should open up your eyes to the rewards of obtaining moving quotes online for Phoenix inhabitants.
Has Anyone Used Austin Davis’s Program? Here’s My Experience.
Friday, July 30th, 2010Last year I was introduced to Austin Davis. I was told about Austin from another investor I follow. The teacher whose program I had bought I found very useful so I bought Austin Davis’s program. First, unlike the program I had already bought on apartment investing thi s program was just for funding. If you are a new investor you may want to start with a overview program or book on apartment investing. The one I started with was by Monica Main and I got it for less than $100 online. Since Austin was offering a 60 day money back guarantee I decided to give it a try.
The website he has is to the point and easy to use. Once I ordered I was able to download the program right away. The cost was $999 and I got 60 days to try it out risk free. Now that Austin has become so famous you can get his program for 50% off fairly easy. He was up front about wanting to find students to bring him deals and does encourage students to send him deals in his property scout program. You are not required to send him deals for his property scout program though. I was set on buying my own apartment and wanted no partners.
After I read through his program I sent his staff a email for help. I got help on how to submit a deal using the forms each week from his staff. I got a year of support included for free when I bought his program which was really nice. I just include my name and email and date I ordered to get the free support. I had to work up 9 deals before the numbers finally worked, but with $3,200 a month in cashflow it was well worth it. I was able to buy with nothing down thanks to his investor fund. I have never been able to qualify for a grant of any kind as I am not in any special group or class so getting the down payment fund to help me was a major bonus.
It took me 7 months to get my first apartment, but I bought it with no down payment and only $12,000 cash up front. Austins team did show me how to get the prefunding for up front costs too. I got a seller credit at closing to cover my closing costs and got cash to pay the up front costs back too. I just wish I could get cash back at closing from my first deal, but I did not know how to do it then. I did learn how to get cash on a deal back from the investor fund.
My free 12 months of support has since expired. His mastermind group is $99 a month and great for continued support. I am working on my 3rd apartment now and still use Austin’s staff to help me on my deals.
Before I started with Austin’s team I tried dozens of other real estate programs. I spent a lot of money on other gurus stuff.
What has set Austin’s program and his team apart from the other programs is the support. I also am impressed to see Austin now offering his program for $500 or less. Austin offers the 60 day guarantee now on his program too. I always pay for a program using my credit card for protection. What I love about being able to buy with a credit card is I also got the protection of my credit card. If a merchant does not refund my money when they offer a refund guarantee I can always dispute it with my credit card to get the money back. Austin also went the extra mile to have his program billing handled by a independent third party called Clickbank. I have found few teachers go to the length of using a 3rd party to audit and protect customer billing information any more. Clickbank is the internet’s largest and most respected internet billing provider. What I do know is that Clickbank is high on security and has a iron clad refund policy all merchants have to follow. Just google clickbank to read about the awards for security they have in place.
I would like to take the time to thank Austin in my review for all his help. I could not find any reviews a year ago when I looked for Austins program reviews. I have noticed a lot of people asking for reviews so I wanted to share this.
There are many scams online today. Always look for a program with a money back guarantee. You also want to pay with a credit card or paypal. Look for a 3rd party billing servicer such as clickbank or authorize.net or something like that to protect your billing infomation. Clickbank is one of the largest.
For real estate you need someone with support. This is big. What you must have is a good team to support you on doing your deals. The price of a program does not equal value or worth. I think the big $10,000 and $20,000 bootcamps are a joke. Just think about that for a minute. If an investor is profiting from deals why do they want to charge $5,000 or more? Why even charge a grand?? I asked Austin this and I think that is why he has dropped the price to $500 or less. It just makes since more people will be able to buy your program if it costs less. I wish it was free. I do understand though you have to charge something to help people and provide good support.
I was troubled by the lack of clear reviews and feedback from people online about Austins program. How will you know if this really works? Try it is what I say to do since then you can see how it works first hand and if it doesn’t ask for your money back. Just use your credit or debit card and keep a copy printed of the website guarantee for your records. I was told if it did not work for me to ask for a refund from the start which was reassuring to me. I got help on my order from clickbank too. Clickbank also sends you a order confirmation email with a easy click refund request for your protection. If you are skeptical – you have the printed copy of the guarantee and can call your credit card company and they will refund it. The point is you can try it and see for yourself.
I only wish someone would have wrote a review like this for me when I was skeptical. I really wish someone pointed me in the right direction of who try try so I would have saved the $10,000 I spent on other programs before Austin. Being able to finally live the life with freedom I have worked so hard for in the last 12 years has been such a blessing. I have time to spend with my kids. I have time to travel now. In this day in age that’s a valuable thing. I wish you well in your investing and your dreams.
The Difference Between In House And Third Party Debt Collectors And Why It Pays To Know Who You’re Paying Part One
Friday, July 30th, 2010Anyone who has experience in the field of bill collection probably knows about the Fair Debt Collection Practices Act. This legislation was crafted in 1978 and provided a very decent amount of protections for consumers. There are a variety of guidelines that a debt collector must follow, and if any of these rules are violated, you should call up your attorney general’s office and complain. Examples of rules that third party debt collectors must follow include: a debt collector can only call between 8:30 AM – 9 PM, they cannot call a debtor repeatedly, and they must positively identify that they are speaking directly to the debtor before they proceed with their attempt to collect debt.
These are just some of the rules of the FDCPA, which you can look up on Wikipedia if you would like to know more, and also, third party collection agents have to abide by certain state rules and regulations as well. But different kinds of people owe different types of debt. What about that friend of yours who owes you five bucks? Do you have to grant them thirty days to refute the claim? Of course not! You can call up that friend at eleven at night if you know they are up and ask for your money back!
This is where things get tricky. Notice how I specifically said “third party” debt collectors when I wrote about the guidelines of the FDCPA. These are just one kind of collection agent. The other kind is called “in house collectors.” Third party debt collectors work for an independent debt collection company that is hired by a creditor to collect delinquent accounts. In house collectors work directly for the creditor. Usually in house collectors work for financially based institutions that have huge accounts receivable departments like credit and mortgage companies, or health care companies. In house collectors are not considered “debt collectors” under the FDCPA and therefore do not have to follow many of the legal rules.
Three examples: The Department of Education works with seventeen private debt collection agencies to collect on federal student loans. Any officer or employee of the Department of Ed is not bound by the FDCPA. However, the private debt collection agencies are. Second example: Morency v. Evanston Northwestern Healthcare Corp, a district court case in Illinois from 1999. While trying to retrieve medical debt, a hospital issued and mailed out pre-collection notices. Big no-no for third party collection agencies. This could have potentially meant that everybody who received that notice would have been absolved of their debt, but the court ruled that the hospital was a creditor, not a collection agency, so the FDCPA did not apply.
Third example: I am notorious for taking out ten books at the library at one time, reading about five, getting distracted and reading other books in between, and reading multiple books at the same time. I am surprised I have not gotten my library card revoked. Last summer I had books out for so long that they had a debt collector call me! The debt collector called my third party telephone, clearly a shared number, and left intimate information on a message about my delinquent account. I might have been annoyed, but I knew I had to give the books back, and the debt collector told me to pay the library directly, which meant that she was an in house collector, so the FDCPA does not apply. Third party collection agencies will almost always ask you to pay them directly, not the creditor, and they certainly cannot leave messages on third party phones with specific account information. Luckily I returned my books and because it was a public library I ended up owing like five dollars. To find out what makes third party collection agencies and in house collectors different see part two…
Mallory Megan works for Rapid Recovery Solution and writes articles on nationwide collection agencies.
Just What Can A Debt Collector Do To Me If I Don’t Pay?
Friday, July 30th, 2010There seems to be a lot of misinformation about what collection agents have the power to do. Admittedly, some bill collectors may intentionally lie or insinuate that they can do more than they legally can to intimidate debtors. Typically the main factor that will motivate debtors to pay is the persistence of correspondence from the debt collectors. If they do not pay, they know that the letters and phone calls will not stop.
Debt collectors do have the capability of negatively marking credit scores which can do a lot of financial damage and stay on the score for seven years. If a debtor is especially resistant and obviously has assets, a third party debt collector will either recommend that the creditor sue them, or if they own the debt themselves, they are entitled to sue themselves.
Contrary to popular belief, debt collectors can’t seize a debtor’s bank accounts, assets, or garnish wages unless there has been a successful lawsuit already with a judgment against them. Debt collectors are strictly banned from making the debt public. The only entity that they can discuss the debt with is the credit bureaus. They can not get a debtor fired from their job, and if a collector was to threaten violence on a debtor for the purposes of intimidation, they would almost certainly be fired, and perhaps sued.
Again, debtors usually repay their debts to collection agencies to stop the constant contact, but oftentimes, most debtors realize that the debt is legitimate and it is the right thing to do. Perhaps they did not have the money to pay on the delinquent account in the past, but have it now, or maybe the account simply slipped their mind.
In light of the negative stereotypes about collection agents, it is ironic that it is oftentimes the collection agents themselves that enable the debtor to pay off their debt. Collection agents usually have the authority to offer some type of repayment plan or debt reduction plan, or in some cases, both. Because of their two main capabilities, one being the authority to damage your credit score, and two being the authority to make it easier to pay, it is never a good idea to simply ignore a call from the debt collector.
Mallory Megan works for Rapid Recovery Solution and writes articles on commercial collection agencies
Debt Collection Agency Thwarted In Legal Battle
Friday, July 30th, 2010Litigation against local forestry contractors in Arrow Lakes that was filed by an American collection company has for the time being been put on hold by a Delaware judge. On January 20 a hearing was held in a U.S. court with PricewaterhouseCooper legal counsel attending via telephone conference.
Contractors raised concerns with the judge who agreed that something should be done. The orders that are being entered did not affect any of the Canadian entities, or at least they should not. The case was pretty much put on hold while mediators and lawyers tried to determine the best possible route for the lawsuit.
A spokesperson for the contractors says that she was notified of the lawsuit by mail, like a lot of others in the area. She claims that she has lined up her defense in case the proceedings continue, but she believes that the lawsuit is simply a last-ditch scheme to get cash.
The Minnesota-based legal debt collection company asked the contractors business, Summit Lake Services for $19,000 for work completed three months before Pope and Talbots collapse. Another local contractor, Reg Gustafson of Cougar Valley Ventures also seems to believe that this is a ploy for money. Furious about being asked to return $41,000, Gustafson claims that they will have to put him in jail before he pays up. He says that although he took the legal papers very seriously when they were first served, he now has been able to put the situation into context.
He alleges that he will continue to take the litigation seriously, but he will make a point of saying no. Crystal Larder of Mountain Meadow Contracting owns a company that was asked to repay $49,000. She hasn’t put up any defenses yet, but even if the local contractors were to be tried in court, it must be in Canada.
Mallory Megan works for a debt collection agency. Also she writes articles on business, finance, the credit industry and collection agencies.
How Long Does A Debt Last And What Type Of Rules Regulate Debt Collectors?
Friday, July 30th, 2010All debt collectors must abide by the state laws where they are making the phone calls that regulate collection efforts, and for a collection agent calling across the country, this all can be very confusing. Many times, debt collectors will use software to guide them and help them remember each state’s laws.
But the most important piece of legislation that debt collectors must follow is the Fair Debt Collection Practices Act, a federal law written in 1978 which strictly guides collection activities. Bear in mind that the FDCPA only applies to third party collection agencies, not the original creditors. If a third party collection company buys a debt, then they essentially become the creditors. But, according to law, even if a debt has been purchased, a third party debt collection agency must still abide by the FDCPA.
The Federal Trade Commission watches over the collections industry, and has the ability to penalize collection agencies for not complying with the FDCPA. But because they are so busy, the FTC usually does not get involved with general consumer complaints. Only after they receive a substantial amount of complaints against one particular agency will they notice a pattern that could lead to action against it.
If a debt is sold to a third party collection agency, this does not make the debt “new” again. There is a seven year credit reporting time limit that is based on the date of the original delinquency with the original creditor. The time limits for filing lawsuits are also founded on this same date.
After these statutes of limitations run up for filing lawsuits and credit reporting, a third party debt collector still has the ability to send out letters and make phone calls about the debts. Somebody may question why a consumer might pay back a debt if they are not faced with a negative penalty, and the reason is usually that they are not aware that the debt has an “out of statute” status.
Mallory Megan works for Rapid Recovery Solution and writes articles on medical collection agencies.
Requirements Of Payday Loans
Friday, July 30th, 2010When it comes to money there isn’t a person out there who feels stress without it. If you have bills to pay and don’t know where to turn for help you have to consider a payday loan. Whether it’s paying to fix that leaky faucet, the brakes on your car, or even to keep the electric on in your home a payday loan can get you out of the woods. Best of all they are right here in North America.
A payday loan is pretty much what it sounds like. You go to these loan agencies, you tell them how much you make, and you will receive a percentage of your next paycheck. The next time you are paid, whether it be one week or two weeks from that time, you will pay off the loan. There are some requirements however that you will need to be aware of and follow.
Bringing proof of income will be the first requirement. You can bring pay stubs, forms, or even a paycheck to show them what you are bringing home. There are certain thresholds within each company that will help decide how much you can borrow and whether or not you have the ability to pay it back on time.
In order to get any kind of loan you normally have to make at least $300 a week. Some places accept less, but not too many. Even with making $300 a week you will only be able to borrow $100. So take the time to check beforehand so you don’t waste a bunch of time for nothing.
Though you will not need to undergo a credit check, you will need to provide your name, social security number, and at least four references that can be checked. In addition to this, you will probably need to present at least two forms of identification.
The most common pieces of identification are your social security card and your driver’s license. If you try to use something else it will probably delay the process. The good news is if you have these forms of ID and can answer a few other questions you should be able to get a loan.
You will also have to set up a repayment schedule as well. Don’t be surprised if they ask you to pay back the money on your next pay date. Your options are usually weekly or bi-weekly. They have to know your payment schedule, and don’t try to trick them because it will be verified from your employer. Individuals who are able to pay this back on time will be able to receive more money down the road.
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