Fort Lauderdale, FL (PRWEB) December 18, 2011

With a credit card charge-off rate above 6% nationally, consumers are having difficulty getting approved for credit in a tight lending environment. The web’s leading resource that connects people with bad credit scores to flexible lenders that can help, announced a new update to their list of recommended credit cards. For people with bad credit, the difficulty in finding lenders willing to approve new financing has restricted access to a vital means of reestablishing credit worthiness.

Bad credit credit cards, offering easy approvals and managed credit lines have traditionally been the first step for consumers seeking to reestablish themselves financially.

Additionally, the site offers debt consolidation loans, connects people to lenders offering personal loans, bank checking for people with bad credit, and provides information for people considering filing for bankruptcy. Roughly 17% of personal loans were rejected in the U.S. in 2010 due to the increasingly strict lending rules that have been imposed by banks since the financial meltdown of ?08 – ?09.

For college students looking for a personal loan, the rejection rate was 25%. During this ongoing banking crisis, the big banks are eliminating high risk credit loans from their financial portfolio and are requiring strict new requirements on the amount of information that is required from borrowers.

“Millions of people are faced with the need to borrow money urgently, but their credit report is labeling them as a bad risk. Borrowers deserve a second chance to rebuild financially after hardship,” said Ariel Pryor, financial researcher at the site.

There are many factors that can negatively affect a credit report. An unpaid bill, a couple of late payments, foreclosure, or bankruptcy. In times of industry hard lending policy, the vital second chance financing associated with bad credit lending can dry up preventing those who need money most from getting it.

“Though not cheap, the alternative to borrowing emergency loans for bad credit is typically more expensive, including late fees, repossessions and utility stoppages,” said Pryor. Easy approval credit cards provide access to money otherwise not available, and typically provide monthly reporting to the credit bureaus to reestablish a history of on time payments for the borrower.

Mr. Pryor went on to say, ?Bad credit loans should be used as part of a plan to restore the borrowers good credit, because timely repayments on the loan work to show the credit rating agencies that the borrower is responsibly managing their credit.?

It is important for consumers to research and compare lenders before committing to a financial product, the rates can vary dramatically. The ReallyBadCreditOffers.com stated goal is to save people time and money as they work to rebuild.

About ReallyBadCreditOffers.com

ReallyBadCreditOffers.com connects people with bad credit with credit card offers, loans, repair and bankruptcy services in order to rebuild their finances. The top credit cards for bad credit are recommended and available for easy comparison and application online.

Contact:

Areil Pryor, Financial Expert

http://www.reallybadcreditoffers.com

(520) 344-2001

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Long Island, New York (PRWEB) December 20, 2011

Credit card billing disputes are the most common national consumer complaint, according to a consumer response report published in November 2011 by the Consumer Financial Protection Bureau, which is a U.S. governmental agency that enforces federal consumer financial laws.

The Consumer Financial Protection Bureau (CFPB) collected various credit card-related complaints from consumers over a three-month period and analyzed and how they were handled by credit card companies. The CFPB provided the report to law enforcement authorities in order to make markets more effective for consumers and to protect the nation?s consumers from unfair or deceptive practices.

Consumers who currently have billing disputes with credit card providers can seek a remedy for their dispute under the national Fair Credit Billing Act. This Act, which is part of the Truth in Lending Act, allows consumers to dispute with a credit card company various types of billing errors.

According to Andrew M. Doktofsky, a billing dispute lawyer in Long Island, ?The Fair Credit Billing Act provides a remedy for consumers who have disputes associated with open-end credit, including credit card companies. The FCBA covers a variety of consumer billing disputes. Once an individual gives the creditor timely notice of a billing error, the creditor is not permitted to take any action to collect the disputed amount from the consumer, until the creditor conducts a reasonable investigation of the billing error. Further, the creditor cannot report the consumer as delinquent, or threaten the consumer?s credit rating, pending resolution of the disputed amount.?

A consumer may dispute any of the following types of credit card billing errors:

Columbus, OH (PRWEB) December 21, 2011

Red Capital Markets, LLC (MEMBER FINRA/SIPC) and Red Mortgage Capital, LLC, respectively the investment banking and mortgage lending entities of comprehensive capital provider RED CAPITAL GROUP, LLC, recently provided a creative combination of bond underwriting and mortgage banking services related to the substantial rehabilitation of a low income multifamily/seniors housing property in downtown San Francisco?s South of Market (?SoMa?) neighborhood.

The complex transaction utilized a $ 33,200,000 conventional/taxable GNMA-backed/FHA Section 221(d)(4) Substantial Rehabilitation loan processed and funded by Red Mortgage Capital, LLC and held as collateral for a $ 16,700,000 2011-B Series of short-term, tax-exempt multifamily housing revenue bonds underwritten by Red Capital Markets, LLC, which will ?bridge? the receipt of 4% LIHTC equity proceeds being provided by Bank of America.

The structure also included $ 16,500,000 of New Issue Bond Program (?NIPB?) proceeds, which were released from escrow simultaneously upon the issuance of the Series 2011-B Bonds. The NIBP was a special, temporary program launched by the U.S. Treasury to support the development of new or rehabilitated affordable multifamily rental units. Under NIBP, the U.S. Treasury purchases program-specific HFA bonds that are credit enhanced by a GSE (Government Sponsored Enterprise), or backed by a GNMA security. Both the 2011-B and NIPB series of bonds were issued by the California Housing Finance Agency (?CalHFA?).

Woolf House is a 182-unit, high rise structure located on Howard Street near the Moscone Center and just blocks away from the Financial District. Eight studio units and 174 one-bedroom units comprise the community. Pursuant to a 20-year Section 8 HAP Contract, all units are offered to low and moderate income seniors who earn 50% or less of area median income levels and are at least 62 years old. Rents for qualifying tenants also are restricted to not exceed 30% of their income level.

The project sponsor is TODCO Group (?TODCO?). Founded by residential hotel tenants displaced from redevelopment projects nearly 45 years ago, TODCO today is a community-based nonprofit institution whose mission as ?South of Market Neighborhood Builders? is to maintain SoMa?s longtime working class, immigrant, and elderly communities as an integral part of their neighborhood?s future. In addition to developing housing utilizing city, state, and federal programs, TODCO directs the management of its properties and provides supportive services for their residents. Since 1978, the TODCO Group has built eight affordable housing developments totaling 1,000 units in San Francisco?s booming South of Market neighborhood.

In seeking a way to help Woolf House undertake an overall project revitalization, a highly experienced group of Red Capital Group, LLC investment and mortgage banking professionals structured the multi-faceted solution that utilized all available sources of capital, including the New Issue Bond Proceeds which had been issued previously by CalHFA.

Richard R. Andrews, Senior Managing Director of Red Mortgage Capital, LLC and lead banker for securing the FHA Insured Mortgage loan said, ?Many years ago, TODCO started work in this community advocating and providing housing for those affected by redevelopment. We are honored to have a role in their continuing mission by working with the HUD San Francisco office to secure this non-recourse financing.?

Nicholas A. Hamilton, Managing Director of Red Capital Markets, LLC added, ?The expertise of the various bankers, attorneys, CalHFA staff and other professionals was vital to achieving a successful structure that met the myriad debt and equity requirements necessary to preserve this affordable housing stock. This was our second transaction with TODCO and we are pleased to again serve as the banker on this unique transaction.?

Renovations to the project are anticipated to be completed on or before July 2013.

John Elberling, President of the TODCO Group. said, ?The Red Capital Group teams? across-the-board knowledge and deep experience financing affordable housing transactions was fundamental to helping us navigate and secure capital. We appreciate their efforts to help us succeed in achieving our goals for Woolf House.?

Operating nationwide since its inception in 1990, Red Capital Group, LLC is recognized for its industry expertise, innovative and comprehensive structures, and consistently high lender rankings, including having closed more FHA Multifamily & Healthcare loans during HUD FY-2010 than any other lender and remaining active as a top Fannie Mae DUS

New York, NY (PRWEB) December 21, 2011

During this Holiday season, Cedar Education Lending proposes that graduates bestow upon themselves the gift of time and money with a Cedar Education Private Student Loan Consolidation.

Harvey Berkey, COO of Cedar Education, pointed out that, according to a recent report published by The Project on Student Debt for 2010, seniors who graduated in 2010 had student loan debt averaging over $ 25,000. Approximately half the student loan debt was Private Loan debt, and the average debt was actually much higher at private, for-profit colleges.

?Despite increases in Federal student aid, private loans are a necessity for many students to bridge the gap between federal loans and tuition costs,? said Mr. Berkey. ?Students should consider consolidating their student debt upon graduation, both Federal Loans and Private Loans. However, they should remember not to mix the two types of loans as they could lose some key borrower benefits and protections as a result.?

With several websites now offering Student Loan Consolidation Calculators, graduates can get a better perspective on what consolidating their loans would mean to them financially. ?College graduates whose credit situation has improved since initially taking out their private student loans or who now would like to eliminate a co-signer on their loans (for most, one of their parents), a Private Student Loan Consolidation makes a lot of sense,? added Mr. Berkey.

For additional information on Private Student Loan consolidation and Private Student Loans, please visit us at http://www.cedaredlending.com.

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Washington, DC (PRWEB) December 20, 2011

Generation Opportunity today released more polling information from its national survey of young adults ages 18-29. The newly released data underscores the ongoing power of social media and text messaging as communication tools with the highest likelihood of getting more young Americans to vote. The polling data was made available during the same week that Generation Opportunity, which was publicly announced in June of 2011, topped a combined total of two million fans on its popular Facebook pages ?Being American? and ?The Constitution.?

In answer to the question of which communications tool would be most likely to get more young Americans to vote, 66% of Millennials indicated Facebook reminder messages, 58% indicated text reminder messages, 38% indicated email reminder messages, 28% indicated public service announcements, and 13% indicated telephone reminders.

?Our data underscores the ongoing power of social media and text messaging among the generation hardest hit by record unemployment and the poor economy. Young adults use these technologies daily to discuss how the economy has delayed their futures and how to manage their lives in the midst of very little economic opportunity,? said Paul T. Conway, the President of Generation Opportunity and former Chief of Staff of the United States Department of Labor. ?One message from young adults is abundantly clear – they are tired of the status quo in Washington and have lost patience with elected leaders who are more focused on their own re-elections than on fixing the issues that have put America on the wrong track.?

Generation Opportunity is a social media and grassroots organization focused on organizing and mobilizing young adults through a strategy based on social media and ground operations. Previously released data from the same Generation Opportunity survey of young adults indicated that 69% believe the current leadership in Washington fails to represent the interests of young people, 61% said they would vote based on a candidates standing on the issues or record in office versus their charisma, 57% said that in 2012 they will learn more about a the policy positions of presidential candidates than they did in 2008, and only 31% approve of President Obama?s handling of youth unemployment.

2012 ? Most Effective Platforms to Encourage Young Americans to Vote:

Generation Opportunity commissioned a poll with the polling company, inc./WomanTrend (April 16 ? 22, 2011, +/- 4% margin of error) and select results for all young Americans ages 18-29 appears below:

Boston, MA (PRWEB) December 17, 2011

With the holiday season upon us, MEFA is encouraging shoppers to start a new holiday tradition: giving the gift of education by making a contribution to a loved one’s college savings fund.

MEFA makes it easy to give to a child, grandchild, niece, nephew or family friend by opening or contributing to an existing U.Fund College Investing Plan, the state’s tax-advantaged 529 plan. Simply visit the UFund website ( http://www.fidelity.com/ufundgift) to get started and print out your personalized gift certificate. Gifts of any size can be made to an existing account or open a new account for either $ 50 or $ 15 per month with automatic investments (or $ 45 per quarter).

“Making a contribution to a loved one’s college savings account is a gift that will last a lifetime. Long after the toys are broken or lost, a contribution at the holidays, on birthdays and other special occasions will grow and one day help pay for one of the greatest gifts of all, a college degree,” said Thomas Graf, Executive Director of MEFA, the state’s non-profit authority on college financing solutions. “Saving for college will help to reduce the total amount of loans shouldered by parents and students. It’s important to reduce borrowing, because the interest on education loans increases the total cost of college.”

Any person can make a contribution to the U.Fund account of any child, as long as they have the proper account information, which can be obtained from the recipient’s parent or guardian. Details are available at http://www.fidelity.com/ufundgift. The U.Fund College Investing Plan is offered by MEFA and managed by Fidelity Investments. The U.Fund combines significant tax advantages with professional investment management, making the U.Fund a flexible and affordable way to save for college.

“When your loved one is ready for college, he won’t remember the toy you bought him 10 years ago, but he’ll thank you for investing in his future,” Graf said.

MEFA is a not-for-profit self-financing state authority, not reliant on state or federal appropriation that works to make higher education more accessible and affordable for students and families in Massachusetts. Nearly 30 years ago, MEFA was created by the state legislature at the request of Massachusetts colleges and universities. MEFA provides community education programs, college savings plans, and low-cost financing options. In its nearly thirty year history, MEFA has issued $ 4.3 billion in bonds and has assisted hundreds of thousands of families in financing a college education.

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Oakland, CA (PRWEB) December 15, 2011

With school back in session, Oakland?s tax preparation company, Liberty Tax Service urges those planning for higher education to examine tax-free 529 plans. These can be savings plans or prepaid plans operated by states or educational institutions that allow parents to save and plan ahead for their children?s college expenses.

Computers, computer technology and Internet access are now allowed as qualified purchases paid by 529 college savings plans when the student is enrolled in a qualified college or university. Tuition, required fees, books, supplies and equipment are considered qualified expenses. The costs of room and board may qualify. There are no deductions for 529 plans and no income limits for parents who wish to contribute to a 529 plan.

?All states have some type of 529 plans,? adds Malkeet Singh of Liberty Tax Service in Oakland.

529 Plans can be used to meet costs of qualified colleges nationwide. In most plans, the choice of school is not affected by the state where the 529 savings plan is established.

For more information on Liberty Tax Service, call 510-239-5284 or visit http://www.libertytax.com. Liberty Tax Service is located at 3207 Grand Ave., Oakland, CA 94610.

About Liberty Tax Service

Liberty Tax Service is the fastest growing retail tax preparation company in the industry?s history. It provides computerized income tax preparation, electronic filing, refund loans and online filing through e-Smart Tax. Each office offers free advice on tax planning, customer audit assistance, a money back guarantee and free tax return checking. It also offers a tax school that offers income tax preparation courses. They offer simple peace of mind through a complicated matter and rest assured Liberty Tax Service will fight for the client.

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Alexandria, VA (PRWEB) December 15, 2011

More than 1,700 students, sons and daughters of military members who are currently or formerly serving, received up to $ 5,500 each in interest-free loans or grants from the Military Officers Association of America (MOAA) Scholarship Fund for the 2011-12 school year. Of those students, 600 were first-time recipients.

The MOAA Scholarship Fund was established in 1948 to provide educational assistance for children of military families. The MOAA Educational Assistance online-only application for the 2012-13 school year is now available on MOAA?s website at http://www.moaa.org/education. Eligibility guidelines include:

Chicago, IL (PRWEB) December 15, 2011

?Dear Santa: I would like a race car, a train and a blue sweater,? wrote one five-year-old student. ?Can I please have purple gloves and a scarf, and for fun?coloring books?? wrote another.

Each December, the young students at Calmeca Academy of Fine Arts & Dual Language on Chicago?s South Side carefully write their letters to Santa Claus. This year, however, due to the slow economy, the school?s expected support, which in the past was used to buy gifts for the children, was not available.

PLS Volunteers to Play Santa

That?s when PLS stepped in, pledging to play Santa for the school?s kindergarten and first grade classes. PLS team members at the company?s Support Center headquarters and at its many Illinois stores made $ 25 donations (the cost of purchasing gifts for one child), and the company matched many of the contributions.

On Monday, December 12, wrapped gifts for 100 students were delivered to Calmeca Academy by Sandra Arizaga, Director of Operations, PLS Check Cashers/North Illinois; Jim Bradley, Director of Operations, PLS Loan Store/South Illinois; and Daniel Dorame, Director of Operations, PLS Loan Store/North Illinois.

Delivering to Students in Dire Need

With average household incomes just under $ 10,000, the students at Calmeca Academy of Fine Arts & Dual Language (http://www.calmecaacademy.org), at 3456 W. 38th Street in Chicago, face daunting challenges all year round. Almost 97 percent come from low-income families, nearly 15 percent are special education students, and more than a third are limited-English learners.

?We are astounded at the generosity and kindness of our friends at PLS,? said Frances Garcia, Calmeca Academy?s principal. ?Thanks to their giving hearts, our young students will be able to enjoy a very merry Christmas, and will receive many of the basic necessities?gloves, scarves, boots?that they lack. PLS is an outstanding member of the community.?

?We?re just doing what good neighbors do, which is lending a hand to our neighbors in need,? said Bob Wolfberg, President, PLS. ?On behalf of all the PLS team members who made gift donations, we?re very glad to help the students and staff at Calmeca Academy enjoy a happy holiday season.?

About PLS: People. Location. Service.

The PLS Group (http://www.PLShome.com), headquartered in Chicago, is comprised of more than 300 financial services centers in Alabama, Arizona, California, Illinois, Indiana, Mississippi, New York, Texas and Wisconsin, with more than 3,100 employees. PLS is one of the largest, fastest-growing and most distinguished organizations in the check cashing industry, and is a top performer for Western Union, a money transfer network.

The PLS mission is to provide innovative and convenient financial services delivered with the respect that hard-working consumers deserve.

PLS has been listed among Inc. magazine?s ?5000 Fastest-Growing Private Companies in America? (http://www.inc.com/inc5000/list) for the past three years, and for three consecutive years has been named one of the ?101 Best and Brightest Companies to Work for in Chicago? by the National Association for Business Resources (http://www.101bestandbrightest.com). For the past four years, PLS has been named one of Chicago?s Largest Privately Held Companies by Crain?s Chicago Business

Penndel, Pennsylvania (PRWEB) December 15, 2011

Legendary Langhorne Carpet Company, and famed Penn State designer-instructor Lanny Sommese, are collaborating on the production and sale of a limited edition, all-wool tapestry, appropriately titled ?Hand in Hand?, in support of the new and innovative emergency student micro loan program, it was announced today. The first micro loans, given to students facing unexpected economic hardship, were provided through the university?s Office of Student Aid during the fall semester. The official tapestry ?loom launch? will take place on the mill floor at 1 p.m., Tuesday, December 20, (201 W. Lincoln Highway, Penndel, 19047).

Philadelphia attorney Tom Sharbaugh, a Penn State graduate (1973) who with his family early in 2011 developed the loan fund based on successful microfinance models in the developing world, said the accompanying Langhorne-Sommese project is just as unique as the emergency loan program aimed at helping the rapidly growing number of students in need.

?Langhorne and Lanny form the perfect combination ? literally working hand in hand ? to bring to life in the form of an original Langhorne Carpet tapestry an incredibly inspired and uplifting design,? explained Sharbaugh. ?The microfinance loan project is a first at Penn State ? and possibly in the U.S. ? and the fund raising is equally unique from a philanthropic standpoint.? He said Langhorne?s generous contribution of services enables the loan fund recipients to significantly benefit from each $ 300 purchase. The limited edition is for sale at http://www.langhornecarpets.com or by phone at 215-757-5155. The first art gallery to exhibit and sell the tapestry is The Rosenfeld Gallery (http://www.therosenfeldgallery.com), 113 Arch Street, Philadelphia.

Bill Morrow, President of Langhorne Carpet and director of its ?Carpets of Caring? initiative to support non-profit organizations, said the Penndel, Bucks County mill is honored to be able to work closely with Sommese, an internationally-renowned designer, and his powerful design, which comes to life as a 27? x 36? woven, 100% natural Wilton carpet. He noted that each tapestry contains more than 2,000 yards of yarn ? five colors in all – and features more than 80,000 individual stitches. ?Without a doubt, this is one of our most exciting projects, and that includes weaving carpets for the White House and a host of other landmarks,? said Morrow. ?Everyone at Langhorne is proud to be part of this project in support of determined students facing tough economic challenges.?

Anna M. Griswold, Executive Director of Penn State?s Office of Student Aid, said the loan program comes at a crucial time for financially-strapped students. ?One of our first recipients has been forced for financial reasons to take five years to graduate. As a result, he has exhausted his eligibility for state grants. He was already working, and his father had exhausted all options. The new micro loan helped close the gap and will now see him through to graduation in the spring and on to his career.?

Sommese, head of the graphic design program in the College of Arts and Architecture, in explaining the colorful and captivating design said, ?The interwoven hands express the feeling of nurturing and caring that is implicit in the nature of the project. Metaphorically, the interwoven fingers not only represent the process of weaving the tapestry but also the unique interpersonal relationship of the people contributing and the students receiving the loans. The brightly colored areas between the fingers signify the exciting, joyful, and fulfilling feelings that are inherent in the culture of giving.?

Mr. Sharbaugh can be reached at tomsharbaugh(at)gmail(dot)com

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