Negotiating a Credit Card Debt Settlement - Can You Do it Yourself?

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What do you do if you catch fever? If it is a mild problem, you can cure it yourself by taking some standard medications. However, if the issue is serious, you need to consultant a medical expert. Negotiating a credit card debt settlement requires an expert. It is hard for a common man to negotiate himself. You are permitted to do so but the results produced will be unsatisfactory. Negotiating a credit card debt settlement on your own saves you a lot of money. There are no other advantages. Let's have a look at the problems which you can face in case of self negotiation.

Do not expect very impressive results

If you are brave enough to communicate with the creditors on your own, it is not logical to expect very productive results. The approach adopted by a professional consultant is very different. He knows about the right kind of arguments. He knows how to talk to the bank attorneys and present the case in the right manner.

Negotiating a credit card debt settlement yourself requires a lot of hard work

When you hire a relief expert, you do not have to do any kind of hard work. However, in this case, you have to manage a lot of paperwork. In addition to that, you have to talk to your creditor at regular intervals. All these tasks require a lot of time and patience. If you are prepared to invest all these resources then you can consider this option.

Some companies do not permit self negotiation

This is a problem which loan takers face commonly. Some money granting companies do not permit self negotiation. You need to hire a counselor if you want to get your unsecured liabilities eliminated.

Negotiating a credit card debt settlement on your own is never a good option. It is tiring and cumbersome. Apart from that, you need to hire a legal attorney to guide you about the important clauses. This is quite expensive. Instead of concentrating on saving money, you should hire a proper settlement organization. In this way, you will not have to interact with the creditors directly.

However, you can consider negotiating credit card debt settlement yourself if you fulfill the following conditions.

1. You are working in the finance industry

2. You posses the required level of knowledge about negotiating a credit card debt settlement

3. Your creditor allows you to exercise the self negotiation alternative

Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.

Free Debt Advice [http://www.freedebtreductionhelp.com].

Article Source: http://EzineArticles.com/?expert=Owais_Siddiqui

Source: http://business-negotiation.blogspot.com/2012/07/negotiating-credit-card-debt-settlement.html

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Is Medical School a Worthwhile Investment for Women?

Over the last quarter century, women have been earning college and professional degrees in record numbers. In 1976, women earned only 45 percent of bachelor's degrees in the United States; by 2006 that had increased to 58 percent. During that same interval, women have made even larger gains in advanced degrees. For example, in 1976 women constituted only 24 percent of first year medical students. By 2006, that number which doubled to 48 percent.

Despite these gains in education, a number of recent studies find that women's incomes lag those of men. In a study of MBA students from a top program, Marianne Bertrand, Claudia Goldin, and Larry Katz found that while men and women had similar earnings at the outset of their careers ($115,000 per year for women versus $130,000 per year for men), within ten years of graduation men outearned women by $150,000 per year. Similar income gaps have been found for doctors and lawyers.

This raises two interesting and uncomfortable questions. First, why do women earn less? Second, if women benefit less from these high-end professional degrees -- but pay the same high costs in time and money to acquire them -- have their degrees actually paid off? That is, would women have been better off not getting those degrees?

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In a study being published this month in the?Journal of Human Capital, we try to shed light on these questions by looking closely at doctors in primary-care fields and a plausible alternative career for anyone entering medical school -- Physician Assistants. Physician assistants (PAs) are medical professionals who diagnose and treat illness under the supervision of a physician and who may, in all 50 states and the District of Columbia, write prescriptions. The first PA program started in 1965 at Duke University, and was initially designed to provide civilian medical training to field medics returning from Vietnam.

Interestingly, while the PA field started out all male, the majority of graduates today are female. The PA training program is generally 2 years, shorter than that for doctors. Unsurprisingly, subsequent hourly earnings of PAs are lower than subsequent hourly earnings of doctors.

Focusing on the financial repercussions of these career choices, we use a tool common for analyzing investment called a net-present-value (NPV) calculation. An NPV calculation adds up the costs of obtaining a degree, and all of the earnings received over the career that degree enables, taking into account the fact that money earned later is not as valuable as money earned earlier (due to interest), summarizing a career decision in a single number. This captures the insight that in order for an investment in the high up-front cost medical degree to overcome the lower up-front cost of a PA degree, not only do a doctor's wages have to significantly exceed those of the PA, but the doctor needs to be willing to work enough hours to make those wages pay off.

To see if doctors do indeed work long enough hours, we looked at data from a Robert Wood Johnson survey of physicians on how many hours female and male primary-care physicians work at different points in their careers. We combined that with data from the American Academy of Physician Assistants.

We then compared the earnings of male and female physicians in our data and estimate what those individuals would have earned if they had worked as PAs.

We found that, for over half of woman doctors in our data, the NPV of becoming a primary-care physician was?less?than the NPV of becoming a physician assistant. In contrast, the vast majority of male primary-care physicians earned an NPV greater than the NPV earned by a male PA. That is, while the vast majority of male doctors are financially better off for having become a doctor, the median female primary care physician would have been financially better off becoming a PA.

Where does this result come from? As you might have guessed, it is partially due to a wage gap. Male doctor earns more per hour relative to the male PA than the female doctor earns relative to the female PA. However, a big part of the difference comes from an?hours?gap. The vast majority of male doctors under the age of 55 work substantially more than the standard 40 hour work week. In contrast, most female doctors work between 2 to 10 hours fewer than this per week.

Even though both male and female doctors both earn higher wages than their PA counterparts, most female doctors don't work enough hours at those wages to financially justify the costs of becoming a doctor.

We also examined alternative medical professions such as pharmacy, and our basic findings were the same. Programs that have high upfront training costs only make financial sense if you plan to work enough hours later on, and many women doctors do not end up working enough to justify the costs they pay.

It is worth noting that this specific result pertains to women primary-care physicians who work about 40 hours a week. Obviously, some women doctors work more hours, and some work many fewer. Women working significantly more than this do get a financial advantage from becoming a physician.

Do these results mean anything for women undertaking other advanced professional degrees such as the JD or MBA? The kind of analysis that we do in our research is not easily applied to many other professions. For doctors, it is reasonable to assume (and the data support) a fairly simple relationship between hours and earnings. Work more hours, see more patients, make more money. It is much harder to track down the relationship between hours and earnings for many other professions.

However, the issues that our research raises are certainly relevant in other fields. Indeed, there is evidence that women doctors actually "drop out" less frequently than women lawyers and (especially) women MBAs. For example, a 2010 study by Herr and Wolfram find that in a sample of Harvard graduates, 94 percent of mothers with MDs remain working in their late 30s, compared to only 79 percent of JDs and 72 percent of MBAs. One of the attractive features of primary care medicine is the possibility to scale up or scale down the workload -- flexibility often not feasible for an executive or investment banker. If one scales down enough, though, the upfront investment of becoming a doctor isn't recouped.

Does this mean that women should not become physicians? Certainly not. Our results suggest that correctly forecasting how much you will work later in life should influence your career choice. But that forecast may be very difficult for a young person to make accurately. Also, there are clearly a host of reasons that people choose their careers that are not captured in our NPV calculations--like inherent satisfaction from the work. Still, in a time when student debt can rival mortgage debt, the costs of higher education have never been higher. Thinking through what kind of work schedules would justify these costs is an important part of making smart career choices for both men and women.

Keith Chen, PhD, is an associate professor of economics at the Yale School of Management and a research associate at the Cowles Foundation for Research in Economics. Judith Chevalier, PhD, is the William S. Beinecke Professor of Economics and Finance at the Yale School of Management and a research associate at the National Bureau of Economic Research.

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Source: http://news.yahoo.com/medical-school-worthwhile-investment-women-090250446.html

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'Defamation' Attack on Opposition Alarms Romania Rights Activists ...

Human rights activists on Monday protested about the decision of Romania?s ruling coalition to file a legal complaint with the prosecutor?s office, accusing 15 opposition leaders of "undermining the national economy" and of "spreading false information".

The centre-left coalition, the USL, is accusing the country's suspended President, Traian Basescu, and another senior official, of ?spreading false information, defaming the nation and endangering the safety of the national economy and the stability of the currency?.

The USL says that Basescu and opposition leaders have transmitted false information to Romanian and international media about the current political situation in the country, ?poisoning international public opinion and that of foreign officials?.

?If this is true, we are guilty also,? media watchdog ActiveWatch said. ?We also spread public information, but only about what we considered to be abuses of the rule of law in Romania.?

ActiveWatch says that Romania must change its penal code by eliminating provisions that limit freedom of speech.

?Spreading false information that threatens national security is punishable by up to five years in jail, and the law can be used to limit freedom of expression of anyone, politicians or journalists alike,? it said.

In recent months, Prime Minister Victor Ponta has been locked in a vicious power struggle with Basescu, with Ponta appearing to stop at nothing to win the battle.

The European Union has meanwhile questioned Romania?s commitments to judicial independence and its respect for the principles of democracy.

In a report released last week, the EU criticised the leftist government's moves to curb the powers of the Romanian Constitutional Court as it battles to unseat Basescu.

Parliament voted on July 6 to suspend Basescu as President for 30 days and established July 29 as the day of a referendum in the next stage of a campaign to impeach him.

Prime Minister Ponta has accused Basescu of blocking government reforms, of abusing his position to grant favours to his allies and of interfering in the judicial system.

Basescu says his adversaries are taking revenge for the corruption conviction this year of former prime minister Adrian Nastase, a senior member of Ponta's governing coalition.

Basescu accused the government of attempting a ?coup d?etat? not just against him but also against the judiciary.

Many political rallies are set to take place in Romania to bolster support for Basescu, who could hang on to his job if the turnout in the referendum is less than 50 per cent.

However, some polls say that Basescu?s popularity has plummeted from a high water mark of around 65 per cent seven years ago to only around 15 per cent now.

Source: http://www.balkaninsight.com/en/article/pressure-on-free-speech-prompts-protests-in-romania

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Moving trash can catches your waste, annoys Larry Bird (video)

Just when you thought developments in trash can technology hadn't moved too far since the trusted b-ball backboard accessory, a Japanese genius comes along to raise the bar. Modder FRP has created the Smart Trashbox, a moving can which uses a Kinect to track airborne garbage and make sure you'll never miss another three. Impressively, it appears he designed and built every piece of the puzzle himself, from the motorized wheel base right down to the PCB. We dread to think how much coding this took, given that the Kinect monitors the entire room, calculates trash trajectory and sends the can interception orders. Apparently the accuracy stats don't demand MVP awards just yet, but check out the highlight reel (and more details of the project) after the break.

Continue reading Moving trash can catches your waste, annoys Larry Bird (video)

Filed under: Misc. Gadgets, Household

Moving trash can catches your waste, annoys Larry Bird (video) originally appeared on Engadget on Mon, 23 Jul 2012 09:51:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/07/23/kinect-trash-can-mod/

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Credit card settlement unlikely to help stores ... - The Finance Room

on July 23, 2012 9:47 pm in Business News / no comments

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NEW YORK (Reuters) - Stores may not find it easier to charge shoppers fees for paying by credit card as a result of a $7.25 billion class action settlement with Visa Inc. and MasterCard Inc, a problem that may delay or derail its approval, an analyst said on Monday. The proposed settlement between retailers and the two biggest credit card companies would resolve stores' claims that Visa and MasterCard conspired with major banks to fix swipe fees?- the amount paid to process debit and credit card payments. In addition to a $6.05 billion payment and temporary $1. ...

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Source: http://www.financeroom.net/?p=449339

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Netflix's 2Q results riding on subscriber growth

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Source: http://news.yahoo.com/netflixs-2q-results-riding-subscriber-growth-104055017--finance.html

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Conservationists Use Triage to Determine Which Species to Save and Not (preview)

Feature Articles | Evolution See Inside

Like battlefield medics, conservationists are being forced to explicitly apply triage to determine which creatures to save and which to let go

By Michelle Nijhuis ?| July 23, 2012

In Brief

• Conservation groups can no longer afford to try to protect as many animals and plants as they have in the past, so they are increasingly turning to new systems of triage to explicitly determine which species to save and which to leave to die.
• Function-first forms of triage favor species that perform a unique job in nature, such as whitebark pines, which provide vital food for grizzly bears.
• Evolution-first approaches seek to preserve genetic diversity?from the two-humped Bactrian camel to the Chinese giant salamander?which can help all the world's species survive and adapt in fast-changing environmental conditions.
• Other methods refine the popular hotspots approach, which focuses on saving whole ecosystems but may give short shrift to human needs.

The Ashy Storm-Petrel, a tiny, dark-gray seabird, nests on 11 rocky, isolated islands in the Pacific Ocean off the coasts of California and Mexico. Weighing little more than a hefty greeting card and forced to contend with invasive rats, mice and cats, aggressive seagulls, oil spills and sea-level rise, it faces an outsize fight for survival. At last count, only 10,000 remained. Several other species of storm-petrels are similarly endangered.

Yet at least one conservation group has decided to ignore the petrel. In the winter of 2008 the Wildlife Conservation Society was focusing its far-flung efforts on a small number of animals. The society's researchers had spent months analyzing thousands of declining bird and mammal species around the world and had chosen several hundred that could serve as cornerstones for the organization's work. They then turned to people with decades of experience studying wildlife to further narrow the possibilities.

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