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Is one of the reasons why many?lenders use the tax return to verify income because the USG plays a big role in the secondary?mortgage market.
If I'm out-in-left-field, then why is the tax return the defacto method of verifying income? Or, is it just easier to use the tax return, which is filed under the threat of legal penalties for falsification, than to expend the effort to independently verify incomes.
Grazi. I don't mind being wrong, I'd just rather not stay that way.
Source: http://www.zillow.com/advice-thread/Refinancing-without-4506T-verification/502676/
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Comic-Con 2013: Harrison Ford came to Comic-Con 2013 to discuss his current movie, 'Ender's Game,' but the attendees wanted to hear about Ford's roles of decades past.
Actor Harrison Ford answers a question at the "Ender's Game" panel on Day 2 of the 2013 Comic-Con International Convention on Thursday, July 18, 2013 in San Diego.
Denis Poroy/Invision/AP
EnlargeIt's been years since Harrison Ford played film characters Indiana Jones and Han Solo, but the questions still come ? especially at?Comic-Con.
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Ford made his second appearance at the all-things-geek gathering in the U.S. on Thursday to promote his new film, "Ender's Game."
But fans instead peppered the 71-year-old with questions about characters he left behind long ago.
One fan asked what might happen if Solo, the Millenium Falcon pilot from "Star Wars," met Jones, the adventure-addicted archaeologist.
"Hi, how are you?" Ford asked before shaking his head, taking off his glasses, and rubbing his eyes in a marvelous moment of comedic timing.
Another questioner, a man from Brazil who said he dreamed of being the whip-wielding Jones as a kid, asked if Solo would make a good soldier for Col. Hyrum Graff, the character Ford plays in "Ender's Game."
"You know, you and I have a lot in common. I used to dream about being Indiana Jones when I was younger. Not so much anymore," Ford said, pausing while the audience laughed. "I don't think Han Solo would be good as a soldier in anybody's army. I think he's what we call now an independent contractor."
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By John Clark
The Affordable Care Act has received plenty of criticism from both sides of the political aisle, but it will likely allow New Yorkers to drop their health insurance costs by 50 percent next year, according to a report from The New York Times.
Sources say the federal health care law has led a significant decrease in insurance costs in the Empire State, which could reduce the high levels of medical debt in New York.
//
Gov. Andrew Cuomo announced this week that state regulators have started approving health insurance premiums for 2014 that are up to 50 percent lower than rates available in New York today.
This October, for example, New York City residents who currently pay $1,000 a month for health insurance will be able to find comparable coverage for as little as $308 a month.
And with the addition of federal subsidies to the mix, these health insurance costs could dip even lower, according to sources following the insurance trends.
According to supporters of the new law, the drop in rates is due to the online purchasing exchanges created by the Affordable Care Act. In theory, these exchanges are supposed to create competition between insurance companies, forcing them to lower rates
The new law requires that similar exchanges be implemented in every state, and officials from the Obama Administration believe that other states will have similar success.
?We?re seeing in New York what we?ve seen in other states like California and Oregon ? that competition and transparency in the marketplaces are leading to affordable and new choices for families,? said Joanne Peters, an official with the Department of Health and Human Services.
But while the new health care law seems to be having a positive impact, the new insurance rates only apply to New Yorkers who purchase health care on their own. Those with employer-based coverage may not necessarily see the same benefits, according to reports.
Sources note, however, that roughly 2.6 million people in New York do not currently have health insurance, so a large number of residents may be able to take advantage of the lower rates.
In fact, state authorities believe that more than 600,000 residents of New York will decide to buy their own health insurance during the first few years of the program, although this is simply speculation.
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WHAS11.com
Posted on July 18, 2013 at 6:32 PM
Updated yesterday at 9:28 PM
LOUISVILLE, Ky. (WHAS11) -- Now to sports and talk of one of the star football recruits in the state of Kentucky!
Matt Elam is from right here in Kentuckiana and is getting all kinds of attention from college recruiters.
At 6 feet 6 inches and 350 pounds it's hard not to notice John Hardin senior defensive tackle Matt Elam.
College recruits have definitely taken notice.
Elam already holds offers from the likes of Louisville, Alabama, Notre dame, Ohio State and Kentucky.
In fact Just a couple of weeks ago Elam received 182 letters from the Kentucky coaching staff. They were 182 reasons why he should go to UK.
WHAS11's Adam Lefkoe has more, click on the video player above.
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After George Zimmerman was acquitted for the death of Trayvon Martin, my Facebook feed blew up with opinions about the trail from the ignorant and otherwise. As someone that lost interest in the trial as soon as celebrities got involved, I found the outburst a little obnoxious quite frankly.
But while sifting through the most ignorantly racist and annoying posts from the trial voyeurs and even reading a few aloud to my brother on the way back home from a wedding (in ironically, Florida), I decided I wasn't giving my rabid Facebook friends with an opinion a fair chance and became slighted with how initially annoyed with them I really was.? So instead of writing it off to another stupid, high-profile trial cult-like following, I decided to ask a few of my most avid yet more intelligent Facebook? Trayvon Martin supporters why they were so passionate about the verdict to figure out what the anger was really all about. ?I am not including their name in order to protect their privacy. I wanted them to have the opportunity to vent more publicly. .
? 1.? The Nurse ?
Where are you from?
What race do you identify yourself with?
Black ?
Have you followed the Trayvon Martin/George Zimmerman Case? If so, are you surprised by the verdict? Why or why not?
I have followed the trial and I was surprised by the verdict. While I thought the state failed to prove without a reasonable doubt Zimmerman was guilty of second degree murder, I did think that the jury would find him convicted of manslaughter simply because he deliberately disobeyed the instructions given to him by the non emergency dispatch and placed himself in a situation that he ended up losing control of. I felt that the story he told was very inconsistent and being a nurse, the injuries he sustained were not consistent with his statement on how he sustained them. I think that had Zimmerman identified himself as the neighborhood watch leader, the outcome of the situation would have been different. In my opinion, this verdict tells people that it is ok to profile and stalk someone take matters ,into your own hands and if things don't go like you think they will, you can kill the person you think may be doing something with no evidence of wrong doing on their part. ?
Did you know Trayvon Martin or do you know George Zimmerman personally? Do you have any ties to the case? If not, do you follow other high profile trials? ?Why was this particular trail something you found interesting?
I do not know anybody that was involved in the trial and I usually don't follow trials at all, but I found this one interesting because I am a mother with four children, one of them being a boy. I have six nephews and many friends with children as well.
Will you volunteer your time to raise awareness over what you feel is an injustice in relation to the outcome of this trial??
Source: http://www.opednews.com/articles/I-asked-some-of-my-Faceboo-by-Mary-Lynn-Ritch-130718-305.html
BERLIN --?
German Chancellor Angela Merkel is warning that a second debt writedown for Greece could undo much of the recent work done to stabilize the euro area.
Merkel's comments Friday came a day after her finance minister visited Athens and told a Greek audience that it's not in the country's interests to seek a second write-off, or "haircut," following last year's debt restructuring with private-sector bondholders.
Merkel pointed to the possible consequences of another writedown in the 17-country eurozone and the danger that others might seek a similar deal. Portugal, Ireland and Cyprus have also received bailouts.
She said another debt relief deal "could lead to such massive uncertainty among all investors in the eurozone that everything we have done in recent years would again be in question."
Source: http://www.enquirerherald.com/2013/07/19/2586480/merkel-in-warning-over-another.html
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Harold Arboleda of Perpetual and John Pinto of Arellano battle for the looseball ,at San Juan Arena . AUGUST DELA CRUZ/INQUIRER
MANILA, Philippines ? Perpetual Help jumped the gun early and held on to a 73-66 victory over struggling Arellano, 73-66, Thursday in the NCAA season 89 men?s basketball tournament at the Arena in San Juan.
The Altas clamped on the Chiefs in the third quarter, 21-9, and continued their balanced attack for their fourth win and a piece of the second place, tied with San Beda.
Three players finished in double-digits for Perpetual Help, which outrebounded Arellano, 46-31, and registered 19 assists.
?That has been my dream for a team. That?s what you can truly call a team,? said veteran head coach Aric Del Rosario in Filipino.
Del Rosario ordered his players to push the tempo in the third quarter seeing that the Chiefs were starting to tire out.
?They earned that lead. Arellano is a fighter team. I just told the boys let?s not waste what we worked for,? Del Rosario added. ?I told them to just run.?
Source: http://sports.inquirer.net/110241/ncaa-baloria-shines-anew-as-perpetual-help-downs-arellano
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Sen. Tom Harkin, D-Iowa, chair of the Senate Education Committee, announces to reporters that a bipartisan agreement was reached on lowering rates for government student loans, at the Capitol in Washington, Thursday, July 18, 2013. At left is Sen. Tom Carper, D-Del., with Sen. Joe Manchin, D-W.V., at right. (AP Photo/J. Scott Applewhite)
Sen. Tom Harkin, D-Iowa, chair of the Senate Education Committee, announces to reporters that a bipartisan agreement was reached on lowering rates for government student loans, at the Capitol in Washington, Thursday, July 18, 2013. At left is Sen. Tom Carper, D-Del., with Sen. Joe Manchin, D-W.V., at right. (AP Photo/J. Scott Applewhite)
Sen. Lamar Alexander, R-Tenn., a former secretary of education, center, speaks to reporters after a bipartisan agreement was reached on lowering rates for government student loans, at the Capitol in Washington, Thursday, July 18, 2013. Interest rates doubled July 1, 2013, because Congress didn't avert a rate hike built into the law. Democratic Sen. Joe Manchin of West Virginia, right, was one of the main negotiators. At far left is Sen. Tom Carper, D-Del. (AP Photo/J. Scott Applewhite)
Chart shows projected student loan rates based on a proposed Senate plan; 1c x 3 inches; 46.5 mm x 76 mm;
Prospective students tour Georgetown University's campus in Washington, Wednesday, July 10, 2013. The defeat of a student loan bill in the Senate on Wednesday clears the way for fresh negotiations to restore lower rates, but lawmakers are racing the clock before millions of students return to campus next month to find borrowing terms twice as high as when school let out. (AP Photo/Jacquelyn Martin)
WASHINGTON (AP) ? A bipartisan compromise on student loans promises better deals for students and parents over the next few years but could spell higher rates as the economy improves.
The Senate deal pegs the interest rates on new loans to the financial markets and was expected to come to a vote next week, well before students returning to campus this fall have to sign their loan agreements.
Under the deal, undergraduates this fall could borrow at a 3.9 percent interest rate. Graduate students would have access to loans at 5.4 percent, and parents would be able to borrow at 6.4 percent. Those rates would climb as the economy improves and it becomes more expensive for the government to borrow money.
The compromise undoes the doubling of rates on some student loans that took hold on July 1, and one analysis of the Senate deal suggests incoming freshmen would save more than $3,300 in interest.
"We have gone through weeks of negotiations and we have an agreement," said Sen. Dick Durbin, D-Ill.
At the White House, spokesman Jay Carney said President Barack Obama was "glad to see that a compromise seems to be coming together."
And Sen. Lamar Alexander, R-Tenn., said students benefited: "For every one of them, the interest rates on their loans will be lower."
At least for now. The compromise could be a good deal for students through the 2015 academic year, but then interest rates are expected to climb above where they were when students left campus in the spring.
Even in announcing the compromise, it was clear the negotiations were dicey.
"While this is not the agreement any of us would have written, and many of us would like to have seen something quite different, I believe that we have come a very long way on reaching common ground," Durbin told reporters.
Moments later, Democratic Sen. Tom Harkin of Iowa, chairman of the Senate Health, Education, Labor and Pensions Committee, said he would revisit the whole agreement this fall, when his panel takes up a rewrite of the Higher Education Act.
"Can we change it? Sure, we can change it," Harkin said. "It's not the Ten Commandments, for God's sake."
Harkin did little to hide his unhappiness with the compromise but said there were few options to avoid a costly hike on students returning to campus this fall.
A Harkin ally, Sen. Jack Reed of Rhode Island, said he would vote against the bill.
"We might see one or two or three years of rates that are relatively below that number, but inevitably, mathematically those rates will go beyond 6.8 percent," Reed said on the Senate floor after the deal was announced.
As part of the compromise, Democrats won a protection for students that capped rates at a maximum 8.25 percent for undergraduates. Graduate students would not pay rates higher than 9.5 percent, and parents' rates would top out at 10.5 percent.
Using Congressional Budget Office estimates, rates would not reach those limits in the next 10 years.
And one analysis from a former director of that office predicted students starting college this fall would face $3,325 less in interest payments when they graduate. Doug Holtz-Eakin, who leads the conservative American Action Forum, used the average subsidized and unsubsidized loans students were estimated to borrow during each the next four years of college.
Lawmakers engaged in near-constant work to undo a rate hike that took hold for subsidized Stafford loans on July 1. Rates for new subsidized Stafford loans doubled from 3.4 percent to 6.8 percent.
On Wednesday, the Consumer Financial Protection Bureau estimated outstanding student debt at $1.2 trillion ? up 20 percent in just two years. Student loans are now the largest form of consumer debt behind mortgages.
The Congressional Budget Office estimates 21 million loans would be issued in 2013. Students often take a combination of subsidized and unsubsidized loans to pay for their education.
The rapid growth in debt is raising alarm among experts, and there is growing evidence student debt is weighing down the economy ? for instance, by delaying the ability of young graduates to buy homes.
The increase follows the jump in the cost of higher education.
The tuition sticker price at public four-year colleges is up 27 percent beyond overall inflation over the last five years, according to the latest figures from the College Board. This past year it rose nearly 5 percent to an annual average of $8,655 nationwide.
Only about one-third of full-time students pay that published price, and the average net price ? what the average student does pay after grants, scholarships, loans and federal tax credits and deductions ? is just $2,910 for a year of studies. But net prices have been rising, too, and tuition is just part of the cost of college. Including room and board, the average annual sticker price at public colleges is now $17,860, and students pay on average $12,110.
At private four-year colleges, the annual average full tuition price is now just under $40,000, with the average student paying $23,840.
The bipartisan student loan compromise closely hews to what House Republicans passed earlier this year. Both Senate Republican Leader Mitch McConnell and Republican House Speaker John Boehner suggested the outlines of the proposal were acceptable to the GOP rank-and-file members who have pushed for a link between interest rates and the financial markets.
Even House Democrats who opposed the GOP-led deal there appeared ready to go along.
"I'm encouraged that bipartisan efforts continue in the Senate to reverse the student loan interest rate hike," said Rep. George Miller, the top Democrat on the House Committee on Education and the Workforce.
Few students had borrowed for fall classes. Students typically do not sign loans until just before they return to campus, and lawmakers have until the August recess to restore the lower rates. The students who had borrowed for summer programs since July 1 would have their rates retroactively reduced.
The deal was estimated to reduce the deficit by $715 million over the next decade.
___
Associated Press Higher Education Writer Justin Pope in Ann Arbor, Mich., contributed to this report.
___
Follow Philip Elliott on Twitter: http://www.twitter.com/philip_elliott
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Google on Thursday reported earnings of $9.56 per share on revenues of $14.11 billion, thus missing Wall Street?s second-quarter EPS consensus of $10.78 on $14.4 billion in sales. One reason for Google?s disappointing earnings was its operating expenses, which increased to 35% of its revenues on the quarter from 33% of its revenues in Q2 2012. Google?s cost-per-click on its ads also shrank by around 6% year-over-year, thus putting downward pressure on its total revenues.?Although Google?s overall earnings and revenues missed the Street?s consensus, there was an unexpected bright spot on the revenue side for the company from its Motorola Mobility division, which posted revenues of $998 million on the quarter, up from $843 million in revenues it posted in Q2 2012. Motorola continued to have trouble turning a profit, however, as it still posted a net loss of $342 million. In response to the worse-than-expected earnings, Google?s shares sank by nearly 5% in after-hours trading.
[More from BGR: The Boy Genius Report: iPhone 5S to feature indestructible LiquidMetal case]
This article was originally published on BGR.com
Source: http://news.yahoo.com/google-posts-big-miss-q2-eps-9-56-200355017.html
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EyeEm, the free Berlin-based iOS, Android and Windows Phone photo app that has at times been referred to as the "Instagram of Europe," is today announcing that it has raised a $6 million Series A round led by Earlybird Venture Capital, with participation from existing investors including Passion Capital and Wellington Partners. At a time when startups are increasingly focused on making sure they have business models from the word go, EyeEm is doing the same: Florian Meissner, co-founder and CEO, says the funds will be used to keep building out its business around two services that it set out to create early on: a visual search engine, and the EyeEm Marketplace, a kind of crowdsourced platform for stock photography.Source: http://feedproxy.google.com/~r/Techcrunch/~3/bCE1N5nYhE4/
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