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ILO warns world entering third phase of crisis
The International Labour Organisation (ILO) is warning today that the world economy is slipping into a dangerous third phase of the global economic crisis, where austerity leads to further job losses and lower growth. In its Global Emloyment Trends 2012: preventing a deeper jobs crisis the ILO calls for stimulus measures based mostly on tax rises, to boost employment without raising public actor debt (the TUC shares the view of many economists that, with interest rates at historic lows, further borrowing which stimulates growth is still possible across most of the developed world and in emerging economies.)
The ILOs report is worth reading, because it paints a stark picture of a globa economy beginning to fall off a cliff. Things are already bad enough, it says, with global youth unemployment at 12.7%, three times the adult rate, 50% of women workers in vulnerable employment and 600 million new jobs needed over the next decade to meet growing populations.
But it predicts worse to come.
Steer Clear your Accounting Goof Ups Via Tax Return Outsourcing
Well, tax returning outsourcing understands the day-to-day and minute-to-minute issues that many businesses faces during tax season; they recognize the need for aplete tax return. Hence, they utilize such a workflow process- that is simple to use and understand, secure, efficient, and accurate in tracking every detail of the tax return. Therefore, if one is looking for an accounting solution then hiring tax returning outsourcing firm is a good idea. Any firm, regardless of size, only needs a scanner and high-speed internet access to get started, along with handful of experts. These experts not only do the accounting work proficiently but also execute it in a short span of time. The services offers by tax return outsourcing include the tax organizers are individually sorted, scanned and electronically send to the client’s data file with the previous years return. T
Social San Francisco
I started a blog called Appsaloosa. I believe that the right app can change your life. In the future, I’ll post the app-related content over there. While I spent almost all of my recent time in San Francisco at the Hard Assets Conference, I did some research on a couple of apps that I use almost every day. Through a series of fortunate accidents, I became an angel investor in them…
Twitter is growing at around 14.4 million users a month (Jeff Bullas estimate) and they could all use a little help. If you’re wondering how Twylah might change your life or why anyone would want to use Buffer for tweets or Facebook posts, I’m happy to explain.
I had a Twitter brand page before Coca-Cola did. My brand is me (such as it is).
This is my Twylah page
My tweets are separated into topical buckets. Some buck
Action and Reaction on Credit Card Rates and Fees
The Obama Administration has made several announcements detailing the purview of the Consumer Financial Protection Agency, a new agency which would regulate the credit card and mortgage industries. The President recently sent the guidelines, which would regulate the fees, terms, and interest rates on a variety of consumer products, to Congress stressing the urgency of its approval.
The new agency consolidates the duties of consumer protection into a single agency versus the handful of different regulators that share those duties currently. Two of the major responsibilities of the agency would be to police the credit card legislation which was approved by Congress in May and to create a series of easy to understand mortgage products. The operative words for both tasks are “plain vanilla” as the agency seeks to create financial products that are straight forward instead of the convoluted sets of rules, terms, and conditions commonly found in those products today.
The passage of the credit card bill and the creation of Consumer Financial Protection Agency were both vehemently opposed by the industries to be regulated. The
Debt collection agency hit with suit from New York attorney general
Unicredit America, a now-defunct debt collection agency based in Erie, New York, has been hit with a renewed suit from the states attorney general.
The suit is designed to hold the companys president and vice president, Michael and Anthony Covatto, personally liable for its violations of consumer protection laws, according to a report from the Erie Times-News. The original suit alleged that Unicredit operated a fake courtroom in Erie and used deceptive and intimidating practices to draw debtors into making payments.
The attorney generals office originally sought to add the Covattos to the suit in June, but a personal Chapter 13 bankruptcy filing by Michael slowed the process, the report said. In November, a bankruptcy court judge ruled that the personal filing did not insulate Covatto from the Bureau of Consumer Protection.
When consumers owe money to lenders or have their balances sold to debt collections agencies, its important for them to know their rights. Read full post…
Is Online College the More Affordable Alternative to a Higher Education?
As if college wasnt already a bank breaker, public colleges and universities around the nation continue to hike tuition costs. In fact, two and four year public universities will experience an average 7% tuition increase in 2012, according to the College Board Advocacy & Policy Center.
Naturally, these tuition hikes will prompt students and their parents to take out more costly loans which may lead to debt—especially with low income students. While some students may think that skipping college all together is a more feasible decision, there may be a more cost-effective alternative that can give you the quality education you desire while saving you money: online education.
While online education is designed for those that need a more flexible schedule due to career and family obligations, it can also serve as a platform for anyone looking to save a few thousand dollars in the long run. To learn how online education can be cheaper than traditional college, continue reading below.
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Happy holidays—and a quick note about New Year’s resolutions!
In such a bustling time of year, I wanted to take a moment to wish you and your families a happy, healthy holiday season. It’s been a terrific year, and I look forward to helping you with your finances in the coming year—always a good time to rethink priorities and begin better habits. Speaking of which…
If one of your New Year’s resolutions is to save money, here’s a fun fact: A University of Toronto study just out shows that if you stick to one goal, as opposed to many, you’ll increase your likelihood to save and you’ll increase the amount you save. So, instead of saving for that new car, a vacation, and an iPad… you might want to pick just one.
Here’s to a year of joy, good health, peace… and saving!