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    <title>Delinquently</title>
    <link>http://delinquently.com</link>
    <description>Law &amp; Legal News</description>
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<item>
	<title>Give your stakeholders a raise - increase asset productivity!</title>
	<link>http://delinquently.com/288089-Give-your-stakeholders-a-raise-increase-asset-productivity.html</link>
	<pubDate>Wed, 22 Feb 2012 00:19:37 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        You have pushed your cost cutting measures to the limit.Competitive pricing still keeps a full-court press on every moveyou make. You have launched new products, but this initiativebarely keeps you in the game. Clearly the explosive, seeminglyeasy, growth-rates of the 's have drawn to a close. Findingmore ways to drive profit appears daunting. Remember thatcapitalism requires two things - growth and profits from anybusiness wishing to remain viable. As you enter the stcentury, how will your firm...	</description>
	<content:encoded><![CDATA[You have pushed your cost cutting measures to the limit.Competitive pricing still keeps a full-court press on every moveyou make. You have launched new products, but this initiativebarely keeps you in the game. Clearly the explosive, seeminglyeasy, growth-rates of the 's have drawn to a close. Findingmore ways to drive profit appears daunting. Remember thatcapitalism requires two things - growth and profits from anybusiness wishing to remain viable. As you enter the stcentury, how will your firm cope with the financial expectationsof your stakeholders? Improving asset productivity may be part of the answer.Enhancing stakeholder value is tougher in a growth-restrictedeconomy, however strong management of asset productivity willgive most organizations more financial options. When manycompanies are pulling in their horns, seeking ways to protectprofits, and basically trying to survive, finding ways to makeidle or under-utilized assets work harder will strengthen theco...]]></content:encoded>
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<item>
	<title>Receiving Jail Sentence for Misdemeanor</title>
	<link>http://delinquently.com/223155-Receiving-Jail-Sentence-for-Misdemeanor.html</link>
	<pubDate>Sun, 19 Feb 2012 00:58:22 -0600</pubDate>
	<category><![CDATA[Law]]></category>
	<description>
        One of the first things that you have to determine is whether or not it is a misdemeanor or a felony. Each theft sentence is different from person to person. For example, if this is a first time offense and it is a misdemeanor, you should get a minor penalty, through a fine, restitution, or community service. Every now and then, if the victim feels like they have been compensated for their losses, then the judge will dismiss the theft sentence entirely. A felony can be possible with each theft s...	</description>
	<content:encoded><![CDATA[One of the first things that you have to determine is whether or not it is a misdemeanor or a felony. Each theft sentence is different from person to person. For example, if this is a first time offense and it is a misdemeanor, you should get a minor penalty, through a fine, restitution, or community service. Every now and then, if the victim feels like they have been compensated for their losses, then the judge will dismiss the theft sentence entirely. A felony can be possible with each theft sentence if it exceeds a certain value determined by your local and state laws. Anything with a potential of  year or more of jail time is considered a felony. Also, any crime that uses force like a robbery is considered a felony. Before a theft sentence is handed out, a judge will oftentimes use the &quot; strike laws&quot;. Depending on the state, if a defendant commits a third felony, then he will automatically receive a longer prison sentence. The thief could possibly get -years-to-life or a double...]]></content:encoded>
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<item>
	<title>Employer's Quick Guide to Avoiding Sexual Harassment Liability</title>
	<link>http://delinquently.com/111706-Employer-s-Quick-Guide-to-Avoiding-Sexual-Harassment-Liability.html</link>
	<pubDate>Fri, 17 Feb 2012 01:38:03 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        Employers can be held liable for any sexual harassment thatoccurs in the workplace. However, if they take reasonable careto prevent and correct harassment, they will not be liable. Thefollowing article looks at the elements of reasonable care thatwill greatly reduce the risk of sexual harassment liability. Written Policy. The policy should explain what sexual harassmentis. It should give a variety of examples that make it clear thatsexual harassment can take many different forms: unwantedphysica...	</description>
	<content:encoded><![CDATA[Employers can be held liable for any sexual harassment thatoccurs in the workplace. However, if they take reasonable careto prevent and correct harassment, they will not be liable. Thefollowing article looks at the elements of reasonable care thatwill greatly reduce the risk of sexual harassment liability. Written Policy. The policy should explain what sexual harassmentis. It should give a variety of examples that make it clear thatsexual harassment can take many different forms: unwantedphysical contact; efforts to trade sex for employment-relatedbenefits; lewd language or offensive jokes, pictures, drawings,or graffiti; or any combination. It should explain that theharasser's intent does not determine whether the conduct issexual harassment. Whether behavior is sexual harassment dependson how the victim experiences it, not whether the perpetratorintended to harass. It should state that male and female workerscan be victims of sexual harassment by harassers of eitherge...]]></content:encoded>
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<item>
	<title>Student Loans - Lose Social Security Benefits If You Don't Pay</title>
	<link>http://delinquently.com/820018-Student-Loans-Lose-Social-Security-Benefits-If-You-Don-t-Pay.html</link>
	<pubDate>Thu, 16 Feb 2012 00:27:29 -0600</pubDate>
	<category><![CDATA[Law]]></category>
	<description>
        A vast majority of people take out student loans to pay forhigher education. The Supreme Court has decided to make socialsecurity benefits a means of repaying them. No Benefits For You!While millions borrow money to attend college and graduateschool, not everyone pays this money back. The failure to paycan result from circumstances such as a slow job market, failureto finish school and health problems. Of course, there are theselect few who simply welch on the repayments. The U.S. SupremeCourt r...	</description>
	<content:encoded><![CDATA[A vast majority of people take out student loans to pay forhigher education. The Supreme Court has decided to make socialsecurity benefits a means of repaying them. No Benefits For You!While millions borrow money to attend college and graduateschool, not everyone pays this money back. The failure to paycan result from circumstances such as a slow job market, failureto finish school and health problems. Of course, there are theselect few who simply welch on the repayments. The U.S. SupremeCourt rendered a decision on December , , impacting peoplewho are behind in paying their loans. In Lockhart v. United States, the Supreme Court was asked torule on whether the federal government could seize socialsecurity benefits to cover outstanding student loans. The caseinvolved James Lockhart, a disable man, who sued to stop thegovernment from cutting his monthly  check. Lockhart suffersfrom heart disease, diabetes and other health problems and livesin public housing in S...]]></content:encoded>
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<item>
	<title>Inordinately...</title>
	<link>http://delinquently.com/619507-Inordinately.html</link>
	<pubDate>Tue, 14 Feb 2012 00:38:27 -0600</pubDate>
	<category><![CDATA[Spirituality]]></category>
	<description>
         InordinateTerry Dashner.Faith Fellowship Church PO Box  Broken Arrow,OK One of the greatest arguments for Gods existence is mansability to rebound from overwhelming losses to hope again.Whether the loss is material or physical, whether the loss is asextreme as a -- or the suddenness of an Asian Tsunamiwhich sweeps away the lives of hundreds of thousands in a shortspan, mans ability to live again is testimony to hope foundonly in the God of all creation.Its no great revelation to discover that y...	</description>
	<content:encoded><![CDATA[ Inordinate'Terry Dashner'.Faith Fellowship Church PO Box  Broken Arrow,OK One of the greatest arguments for God's existence is man'sability to rebound from overwhelming losses to hope again.Whether the loss is material or physical, whether the loss is asextreme as a -- or the suddenness of an Asian Tsunamiwhich sweeps away the lives of hundreds of thousands in a shortspan, man's ability to live again is testimony to hope foundonly in the God of all creation.It's no great revelation to discover that you are subject todespair. If you have lived anytime at all in this world as ahuman being, you know that mortality is your present state andthat you are at the whim of immortality. You have no assuranceof tomorrow, but you must deal with what it brings your way.Within yourself there is no possibility of conquering yourmortal dilemma'loss, great calamities, sickness, and physicaldeath. But all is not lost. God has created man in His image andlikeness. God gi...]]></content:encoded>
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<item>
	<title>The Importance of Employment Contracts</title>
	<link>http://delinquently.com/605516-The-Importance-of-Employment-Contracts.html</link>
	<pubDate>Sun, 12 Feb 2012 02:16:26 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        The introduction of new employment legislation in the UK fromthe beginning of October  has brought employment law issuessuch as employee contracts and staff dispute resolution to the forefrontof many employers' minds.These latest changes to the law mean it is now more importantthan ever for all employers to have proper contracts ofemployment in place for their staff and to make sure they have acompliant dispute resolution procedure within their company.Failure to do this could mean that if a mem...	</description>
	<content:encoded><![CDATA[The introduction of new employment legislation in the UK fromthe beginning of October  has brought employment law issuessuch as &lt;ahref&quot;http:www.employee-contracts.co.ukemploymentcontracts.shtml&quot; target&quot;blank&quot;&gt;employee contracts&lt;a&gt; and &lt;ahref&quot;http:www.employee-contracts.co.ukdisputeresolution.shtml&quot; target&quot;blank&quot;&gt;staff dispute resolution&lt;a&gt; to the forefrontof many employers' minds.These latest changes to the law mean it is now more importantthan ever for all employers to have proper contracts ofemployment in place for their staff and to make sure they have acompliant dispute resolution procedure within their company.Failure to do this could mean that if a member of staff takesyou to an employment tribunal you will not only lose by default,but you will also have to pay  higher fines.A contract of employment exists as soon as an employee startswork, thus indicating that he or she accepts the terms andconditions offered by the employer. Often the co...]]></content:encoded>
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<item>
	<title>Pay Your Children to Work for you with the Blessing of the Survive IRS Scrutiny</title>
	<link>http://delinquently.com/645224-Pay-Your-Children-to-Work-for-you-with-the-Blessing-of-the-Survive-IRS-Scrutiny.html</link>
	<pubDate>Sat, 11 Feb 2012 01:41:04 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        Save on Taxes by Hiring Your Children You've heard that you can't have your cake and eat it, too. But hiring your own family is one case when you can. Pay your minor or adult children to work for your business, then write it off as an expense. Many people are confused about whether it's legal to hire their children and grandchildren. Follow my advice to satisfy both the IRS and employment laws - while saving on your own taxes. Assuming it's a true payment for services performed and the paperwork...	</description>
	<content:encoded><![CDATA[Save on Taxes by Hiring Your Children You've heard that you can't have your cake and eat it, too. But hiring your own family is one case when you can. Pay your minor or adult children to work for your business, then write it off as an expense. Many people are confused about whether it's legal to hire their children and grandchildren. Follow my advice to satisfy both the IRS and employment laws - while saving on your own taxes. Assuming it's a true payment for services performed and the paperwork is handled properly it's totally legal and acceptable to pay family members. Minor Children Save the Most Taxes Child labor restrictions don't apply to a parent unless it's in manufacturing, mining, or any hazardous occupation defined by the Department of Labor - even under . I hired my own daughters from the ages of  and  without a hitch. You need not pay withholding income taxes, payroll taxes including Social Security and Workmen's Compensation in most states until the child turn...]]></content:encoded>
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<item>
	<title>Contempt Of Court: A State Of Mind Or A Night In Jail?</title>
	<link>http://delinquently.com/114308-Contempt-Of-Court-A-State-Of-Mind-Or-A-Night-In-Jail.html</link>
	<pubDate>Fri, 10 Feb 2012 00:25:33 -0600</pubDate>
	<category><![CDATA[Law]]></category>
	<description>
        Copyright c  Lucille UttermohlenTo say Judgipoo and I don't always get along is an exaggeration. We rarely get through a hearing together that one of us doesn't say something rude. Since one of us can hold the other in contempt, you would think that the other one would be a bit cautious. She is, for the most part. She doesn't look good in orange, and until the county jail picks different colored jumpers, she will try to avoid the worse aspects of Judgipoo's wrath. However, today was one of those...	</description>
	<content:encoded><![CDATA[Copyright c  Lucille UttermohlenTo say Judgipoo and I don't always get along is an exaggeration. We rarely get through a hearing together that one of us doesn't say something rude. Since one of us can hold the other in contempt, you would think that the other one would be a bit cautious. She is, for the most part. She doesn't look good in orange, and until the county jail picks different colored jumpers, she will try to avoid the worse aspects of Judgipoo's wrath. However, today was one of those days that she did wonder if jail issue shoes were also orange.Today started out peacefully enough. When I got to court, I was on time, and not a minute early. My first case was a contempt citation which was filed against one of my clients.This was one of those situations where Mom isn't over cooperative, and Dad is a born again whiner. Neither of them would walk across the street to spit on the other if said street was an inch wider than say a  lane highway. If one of them got hit by a b...]]></content:encoded>
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<item>
	<title>Learn How to Start a Debt Collection Business</title>
	<link>http://delinquently.com/601363-Learn-How-to-Start-a-Debt-Collection-Business.html</link>
	<pubDate>Wed, 08 Feb 2012 01:39:27 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        It can be both worthwhile and profitable to learn How to Start aDebt Collection Business. With growing consumer debt andtherefore a greater need now than ever for debt collectors, thisis a great time to break into the field and start on the road tofinancial independence. Essentially, all a debt collector doesis help businesses collect delinquent debts through thetelephone and mail. This means low overhead and start up costsmaking learning how to start a debt collection business a greatfirst step...	</description>
	<content:encoded><![CDATA[It can be both worthwhile and profitable to learn How to Start aDebt Collection Business. With growing consumer debt andtherefore a greater need now than ever for debt collectors, thisis a great time to break into the field and start on the road tofinancial independence. Essentially, all a debt collector doesis help businesses collect delinquent debts through thetelephone and mail. This means low overhead and start up costsmaking learning how to start a debt collection business a greatfirst step towards self employment and the freedom that comeswith it.Estimated start up costs and pricing guidelines: Thelow overhead and start up costs make a debt collection businessan ideal choice for people looking to start their own business.With a personal computer, cell phone, fax machine, and otherhome office essentials such as a printer, a person has justabout all of the essential equipment for less than  if theyshop around for bargains. But part of the start up costs should...]]></content:encoded>
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<item>
	<title>Herding the Fat Cats: A Holistic Approach to Stifling Corporate Greed—And Solving Our Tax Code and Healthcare Problems in the Process!</title>
	<link>http://delinquently.com/446302-Herding-the-Fat-Cats-A-Holistic-Approach-to-Stifling-Corporate-Greed-And-Solving-Our-Tax-Code-and-Healthcare-Problems-in-the-Process.html</link>
	<pubDate>Tue, 07 Feb 2012 01:44:16 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        Herding the Fat Cats: A Holistic Approach to Stifling Corporate GreedAnd Solving Our Tax Code and Healthcare Problems in the Process! After a year of bailouts and a barely-breathing economy, many Americans want to know what  will bring. Has corporate America really learned its lesson? Author Blaine Loomer isnt waiting around to find out. He offers up a holistic solution to ending corruption in Americas big businesses that will also create some much-needed progress in other areas.  Cincinnati, OH...	</description>
	<content:encoded><![CDATA[Herding the Fat Cats: A Holistic Approach to Stifling Corporate Greed'And Solving Our Tax Code and Healthcare Problems in the Process! After a year of bailouts and a barely-breathing economy, many Americans want to know what  will bring. Has corporate America really learned its lesson? Author Blaine Loomer isn't waiting around to find out. He offers up a holistic solution to ending corruption in America's big businesses that will also create some much-needed progress in other areas.  Cincinnati, OH December 'When President Obama criticized the 'fat cat' bankers early last week, he was echoing the sentiments citizens on both sides of the political fence feel toward Corporate America. No wonder. As we look back over the past  months, it's hard not to be disgusted by The Year of the Bailout. The spectacle of be-suited executives begging for government handouts is truly sickening to the Average Joes and Janes who struggle to pay their bills with their own meager, recession-...]]></content:encoded>
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<item>
	<title>Market fundamentals remain strong sugar prices in prime time - sugar prices, sugar prices up - Food</title>
	<link>http://delinquently.com/701160-Market-fundamentals-remain-strong-sugar-prices-in-prime-time-sugar-prices-sugar-prices-up-Food.html</link>
	<pubDate>Mon, 06 Feb 2012 04:38:30 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
                After  to , after two volatile, September , Zhengzhou sugar main contract SR again from  on the drawing, but the trend seems boring, in  by the  moving average line back pressure, the process of price breakthrough appears stagnant, Although the intraday liquidity is adequate, as the National Day holiday approaching, the cautious attitude is slowly replacing the optimism, technology trends have evolved to balance sideways look.   This dilemma, we propose in this market view, only investor...	</description>
	<content:encoded><![CDATA[        After  to , after two volatile, September , Zhengzhou sugar main contract SR again from  on the drawing, but the trend seems boring, in  by the  moving average line back pressure, the process of price breakthrough appears stagnant, Although the intraday liquidity is adequate, as the National Day holiday approaching, the cautious attitude is slowly replacing the optimism, technology trends have evolved to balance sideways look.   This dilemma, we propose in this market view, only investors. One of the most strong fundamentals Present time, sugar is the most fundamental commodities of a strong variety. This is almost without any evidence, just in the technical charts and historical price of the current price comparison can be made. No.  raw sugar in the United States since  to break . range state, the current stable operation at  cents  lb or more; domestic sugar is out of up to  years starting from  fall, clear running on the upward tr...]]></content:encoded>
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<item>
	<title>Credit, Money and the Home</title>
	<link>http://delinquently.com/621168-Credit-Money-and-the-Home.html</link>
	<pubDate>Sun, 05 Feb 2012 01:40:00 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        Did you know that money is mentioned in the bible more timesthat heaven or hell?  Does the idea of telling your spouse what you spent onmarketing send chills down your spine? Why? Because you havenothing to show for ityet? Do you have a set budget you follow, including your onlineexpenditures? Or, are you just throwing your money at whateverlooks provocative at the moment? Have you found out that PPC Pay per click search engines eatyour money faster than you can check your credit card balance? D...	</description>
	<content:encoded><![CDATA[Did you know that money is mentioned in the bible more timesthat heaven or hell?  Does the idea of telling your spouse what you spent onmarketing send chills down your spine? Why? Because you havenothing to show for it'yet? Do you have a set budget you follow, including your onlineexpenditures? Or, are you just throwing your money at whateverlooks provocative at the moment? Have you found out that PPC Pay per click search engines eatyour money faster than you can check your credit card balance? Don't cry, I'm right there with you. Running up a credit cardbalance is very scary, hoping against all that your promotingwill pay off. It can eventually show some profit if you keep atit, but where is the break-even point? I know firsthand how this feels. Been there, done that.Ok, the first thing you MUST DO: STOP USING CREDIT!If you aren't seeing any income, stop using your cards andinstead set aside an amount in a savings-type account to drawfrom with a debit card. If ...]]></content:encoded>
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	<title>VALUE FOR MONEY (VFM) AUDIT IS A TRUE SENSE OF RESOURCE &amp;amp; THIS IS THE PART OF CONSULTANCY SERVICES</title>
	<link>http://delinquently.com/612225-VALUE-FOR-MONEY-VFM-AUDIT-IS-A-TRUE-SENSE-OF-RESOURCE-amp-THIS-IS-THE-PART-OF-CONSULTANCY-SERVICES.html</link>
	<pubDate>Sat, 04 Feb 2012 00:18:02 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
                      What is Value for Money?Put simply, value for money VfM is about obtaining the maximum benefit with the resources available. Decisions about VfM are a daily reality in all our lives. We are constantly choosing which items or services to buy, and judging the right balance for us between quality and cost. Public services are no different. VfM is about achieving the right local balance between economy, efficiency and effectiveness, spending less, spending well and spending wisely.This...	</description>
	<content:encoded><![CDATA[              What is Value for Money?Put simply, value for money VfM is about obtaining the maximum benefit with the resources available. Decisions about VfM are a daily reality in all our lives. We are constantly choosing which items or services to buy, and judging the right balance for us between quality and cost. Public services are no different. VfM is about achieving the right local balance between economy, efficiency and effectiveness, spending less, spending well and spending wisely.This means that VfM not only measures the cost of goods and services but also takes account of the mix of cost with quality, resource use, fitness for purpose and timeliness to judge whether or not, together, they constitute good value.Component of the scope of internal audit involves evaluating it acquires and or provides for securing value for money VFM, within the resources available to it. It not only measures the cost of goods and services, but also takes account of the mix...]]></content:encoded>
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<item>
	<title>&quot;Joint &amp; Several&quot; In Leases</title>
	<link>http://delinquently.com/523857-Joint-Several-In-Leases.html</link>
	<pubDate>Wed, 01 Feb 2012 02:04:00 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
         When you see the phrase joint and several in a legal documentor contract it means that that the parties on one side of theagreement are responsible individually and collectively for theterms of the agreement.Example: In the case of two tenants signing a lease agreement,joint means they are jointly responsible for the rent.Several means that their joint relationship is severed andthey are individually responsible for the total amount of therent.If one does not pay hisher share of the rent the ot...	</description>
	<content:encoded><![CDATA[ When you see the phrase &quot;joint and several&quot; in a legal documentor contract it means that that the parties on one side of theagreement are responsible individually and collectively for theterms of the agreement.Example: In the case of two tenants signing a lease agreement,&quot;joint&quot; means they are jointly responsible for the rent.&quot;Several&quot; means that their joint relationship is severed andthey are individually responsible for the total amount of therent.If one does not pay hisher share of the rent the other isresponsible for the entire amount.Here's an example of a landlord who had a &quot;joint and several&quot;lease with the added provision that tenants must pay rent with acheck, money order or cashier's check in the full amount everymonth.Landlord allowed the two roommates to pay half the rent eachmonth with two separate checks. Bad policy.It not only creates accounting problems... but if one tenantpays on time and the other is late how do you handle the latepenalty? And...I...]]></content:encoded>
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	<title>Miami Condos Buyer Tips: Protecting Your Property</title>
	<link>http://delinquently.com/235722-Miami-Condos-Buyer-Tips-Protecting-Your-Property.html</link>
	<pubDate>Tue, 31 Jan 2012 02:11:23 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        When buying Miami condos, one of the most important factors to consider is insurance. While the entire condominium building is insured, the same cannot be said for individually-owned properties. As such, if you are planning to purchase a condo, you should understand that protecting your condo unit is vital. And here are some ways and areas where you could do just that.Water damageAny real estate property, including                Rate this Article:                                                ...	</description>
	<content:encoded><![CDATA[When buying Miami condos, one of the most important factors to consider is insurance. While the entire condominium building is insured, the same cannot be said for individually-owned properties. As such, if you are planning to purchase a condo, you should understand that protecting your condo unit is vital. And here are some ways and areas where you could do just that.Water damageAny real estate property, including                Rate this Article:                                                         Article Tags:       &lt;a href&quot;article-tagsmiami-condos&quot; title&quot;miami condos&quot;&gt;miami condos&lt;a&gt;           &lt;a name&quot;yedda&quot; id&quot;yedda&quot;&gt;&lt;a&gt;                    Related Articles                 Related Q&amp;amp;A                                                           &lt;a onclick&quot;pageTracker.trackEvent'Articles', 'RelatedArticlesView', 'Business';&quot; title&quot;The Miami Condo Market&quot; href&quot;...]]></content:encoded>
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<item>
	<title>Auctioning Miami Homes for Sale the Right Way</title>
	<link>http://delinquently.com/834720-Auctioning-Miami-Homes-for-Sale-the-Right-Way.html</link>
	<pubDate>Mon, 30 Jan 2012 02:47:55 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        Foreclosures are not the only real estate properties that could be auctioned; Miami homes for sale, especially those expensive ones, can also be auctioned off. If your property has been sitting in the market for too long, auctioning it off is a great alternative. Here is a brief overview of how the process is done.Finding an auctioneerFirst, you should find an auctioneer for your                Rate this Article:                                                         Article Tags:       miami h...	</description>
	<content:encoded><![CDATA[Foreclosures are not the only real estate properties that could be auctioned; Miami homes for sale, especially those expensive ones, can also be auctioned off. If your property has been sitting in the market for too long, auctioning it off is a great alternative. Here is a brief overview of how the process is done.Finding an auctioneerFirst, you should find an auctioneer for your                Rate this Article:                                                         Article Tags:       &lt;a href&quot;article-tagsmiami-homes-for-sale&quot; title&quot;miami homes for sale&quot;&gt;miami homes for sale&lt;a&gt;           &lt;a name&quot;yedda&quot; id&quot;yedda&quot;&gt;&lt;a&gt;                    Related Articles                 Related Q&amp;amp;A                                                           ...]]></content:encoded>
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	<title>WAK MODEL - THE WAY OF BEST SOLUTION FOR AN ORGANIZATION INTERNAL AUDIT PROCESS, (PART – 01)</title>
	<link>http://delinquently.com/667269-WAK-MODEL-THE-WAY-OF-BEST-SOLUTION-FOR-AN-ORGANIZATION-INTERNAL-AUDIT-PROCESS-PART-01.html</link>
	<pubDate>Sun, 29 Jan 2012 02:05:45 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
                      Confronted with difficult dynamics of economic environment, businesses put an increasing emphasis on finance, management. Accounting and audit becomes more important and relevant to our daily life- as a bridge. Audit, financial, &amp;amp; business related education  literacy is not the only permeate in people's life but also control vital business arteries and eventually; the entire economic systems which exposed to such a business world.I feel strongly that it is necessary to prepare ...	</description>
	<content:encoded><![CDATA[              Confronted with difficult dynamics of economic environment, businesses put an increasing emphasis on finance, management. Accounting and audit becomes more important and relevant to our daily life- as a bridge. Audit, financial, &amp;amp; business related education  literacy is not the only permeate in people's life but also control vital business arteries and eventually; the entire economic systems which exposed to such a business world.I feel strongly that it is necessary to prepare everyone with a set of quantitative and analytical skills what would make them geared up to face the real financial economical problems with confidently.As a financial consultant, I found that without any doubt &quot;Internal auditing&quot; is most important than ever in business today. Internal auditing function is playing a very important role to a wide range of business from local to global business organizations of manufacturing and services industries. After a long study I discovered th...]]></content:encoded>
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	<title>Obama's Loan Modification Plans 101</title>
	<link>http://delinquently.com/762193-Obama-s-Loan-Modification-Plans-101.html</link>
	<pubDate>Sat, 28 Jan 2012 01:40:35 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        The Obama administration generated a simplified loan modification program that aims to reduce homeowner's monthly mortgage payments based on their monthly gross income. There are two types of programs under Obama's plan: The Home Affordable Modification Program and Home Affordable Refinance Program for mortgage refinancing. How will Obama's Loan Modification Plan Work?   Servicer will reduce monthly mortgage payments of the borrower to not more than  of borrower's monthly gross income. The gover...	</description>
	<content:encoded><![CDATA[The Obama administration generated a simplified loan modification program that aims to reduce homeowner's monthly mortgage payments based on their monthly gross income. There are two types of programs under Obama's plan: The Home Affordable Modification Program and Home Affordable Refinance Program for mortgage refinancing. How will Obama's Loan Modification Plan Work?   Servicer will reduce monthly mortgage payments of the borrower to not more than  of borrower's monthly gross income. The government will assume part of the principal amount and manage other cutbacks to hit threshold of  on the borrower's monthly gross income. When  is achieved, the borrower enters trial period for  months. If the borrower succeeded in paying timely mortgage payments during the trial period, a new fixed rate will take effect for the new modified loan that will run for  years. Benefits such as cash incentives are thrown in to lure lendersinvestors, servicers to join, and for borrowers to pay ...]]></content:encoded>
	<guid isPermaLink="false">http://delinquently.com/762193-Obama-s-Loan-Modification-Plans-101.html</guid>
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	<title>Make As Many As 11 Pe Pp Pvc Abs To Continue Consolidation</title>
	<link>http://delinquently.com/922757-Make-As-Many-As-11-Pe-Pp-Pvc-Abs-To-Continue-Consolidation.html</link>
	<pubDate>Fri, 27 Jan 2012 00:25:30 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
                      HC plastic mesh : The U.S. fuel supply tight and demand boost, oil prices closed at eight weeks,  high point: NYMEX closing price on crude oil futures settled up . U.S. dollars, or ., to . U.S. dollars a barrel; oil prices continue to rise, the exchange The settlement market has continued to adjust varieties trend, today announced significantly higher CPI promoted to some extent also inflation expectations, which causes somewhat pessimistic market outlook, attitude, there is also a...	</description>
	<content:encoded><![CDATA[              HC plastic mesh : The U.S. fuel supply tight and demand boost, oil prices closed at eight weeks,  high point: NYMEX closing price on crude oil futures settled up . U.S. dollars, or ., to . U.S. dollars a barrel; oil prices continue to rise, the exchange The settlement market has continued to adjust varieties trend, today announced significantly higher CPI promoted to some extent also inflation expectations, which causes somewhat pessimistic market outlook, attitude, there is also a certain level of transactions fell, trading light. Calcium carbide in the main PVC Up under the influence of weak, wide plastic index slightly . points today, to . points.  transactions approved, up to reduce  batch. Order reported that  grant, up  grant reduction.    Calcium carbide process PVC: Today, a strong up market can not continue the pattern of recent days, most of today's settlement above the pressure of large species, up fatigue, businesses becom...]]></content:encoded>
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	<title>8 Alternatives to Foreclosing on your Home Loan</title>
	<link>http://delinquently.com/292922-8-Alternatives-to-Foreclosing-on-your-Home-Loan.html</link>
	<pubDate>Wed, 25 Jan 2012 00:32:23 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        . Pay DelinquencyIf your financial situation changed quickly, and you missed a payment or two before landing back on your feet, then do not worry. Lenders are legally required to reinstate your loan if you pay off the delinquent amount. If you can borrow the money from a friend or family member then you can easily avoid foreclosure. You could even take out a small personal loan to pay off the delinquent amount. In addition, your retirement plan may allow you to take an early withdrawal in order ...	</description>
	<content:encoded><![CDATA[. Pay DelinquencyIf your financial situation changed quickly, and you missed a payment or two before landing back on your feet, then do not worry. Lenders are legally required to reinstate your loan if you pay off the delinquent amount. If you can borrow the money from a friend or family member then you can easily avoid foreclosure. You could even take out a small personal loan to pay off the delinquent amount. In addition, your retirement plan may allow you to take an early withdrawal in order to avoid foreclosure. Be sure to speak with your bank or financial planner to find out which method would be best for you.. RefinanceIf you are current on your loan meaning you have not missed any payments then you may be able to refinance your loan before going into delinquency. Depending on your current interest rate, and the amount you owe on your loan versus your home's value, you could greatly reduce your monthly payments.. HUD Partial ClaimIf your loan is FHA insured then it may be po...]]></content:encoded>
	<guid isPermaLink="false">http://delinquently.com/292922-8-Alternatives-to-Foreclosing-on-your-Home-Loan.html</guid>
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	<title>How to benefit from the coming recession and foreclosure boom.</title>
	<link>http://delinquently.com/429688-How-to-benefit-from-the-coming-recession-and-foreclosure-boom.html</link>
	<pubDate>Mon, 23 Jan 2012 00:17:13 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        As has been reported in many newspapers New Century Mortgage the nations second largest sub prime lender has effectively gone out of business due to high rates of delinquency on the mortgages it has originated. This is a problem that is occurring throughout the mortgage industry and will eventually start to present itself in the conforming mortgage market as well as in the banking industry. What this all means is that the economy is in a recession. The Fed will not tell you this until it is well...	</description>
	<content:encoded><![CDATA[As has been reported in many newspapers New Century Mortgage the nations second largest sub prime lender has effectively gone out of business due to high rates of delinquency on the mortgages it has originated. This is a problem that is occurring throughout the mortgage industry and will eventually start to present itself in the conforming mortgage market as well as in the banking industry. What this all means is that the economy is in a recession. The Fed will not tell you this until it is well under way but none the less this timeframe is marking the beginning of the recession which began in sometime in . Rising rates of mortgage delinquency which were reported today will help to prove this claim. More evidence is found in the stagnant and dropping prices of homes in many real estate markets. The economy will not begin to improve until the Fed cuts interest rates to help stimulate the economy.My guess is that the Fed will continue to try to deny that the economy is in a recessi...]]></content:encoded>
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	<title>Public Relations' 8 Fix Factors</title>
	<link>http://delinquently.com/126185-Public-Relations-8-Fix-Factors.html</link>
	<pubDate>Thu, 19 Jan 2012 01:29:01 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        Please feel free to publish this article and resource box inyour ezine, newsletter, offline publication or website. A copywould be appreciated at bobkellyTNI.net. Word count is including guidelines and resource box. Robert A. Kelly  . Public Relations  Fix FactorsI say to business, non-profit and association managers, a keypart of your job description is  or should be  do everythingyou can to help your organizations public relations effort asit strives to persuade important outside stakeholders ...	</description>
	<content:encoded><![CDATA[Please feel free to publish this article and resource box inyour ezine, newsletter, offline publication or website. A copywould be appreciated at bobkellyTNI.net. Word count is including guidelines and resource box. Robert A. Kelly  . Public Relations'  Fix FactorsI say to business, non-profit and association managers, a keypart of your job description is ' or should be ' do everythingyou can to help your organization's public relations effort asit strives to persuade important outside stakeholders to yourway of thinking. Especially when it's YOUR PR program that istasked to move those stakeholders to behaviors that lead to thesuccess of YOUR department or division.Which is why I suggest that business, non-profit and associationmanagers embrace what I call PR's  fix factors, those stepsnecessary to prepare their public relations operation for thebattles certain to lie ahead.The fix factors are based on this fundamental premise: Peopleact on their own perce...]]></content:encoded>
	<guid isPermaLink="false">http://delinquently.com/126185-Public-Relations-8-Fix-Factors.html</guid>
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	<title>The Worst PR Mistakes</title>
	<link>http://delinquently.com/609636-The-Worst-PR-Mistakes.html</link>
	<pubDate>Wed, 18 Jan 2012 01:28:16 -0600</pubDate>
	<category><![CDATA[Business]]></category>
	<description>
        Please feel free to publish this article and resource box inyour ezine, newsletter, offline publication or website. A copywould be appreciated at bobkellyTNI.net. Word count is including guidelines and resource box. Robert A. Kelly  . The Worst PR MistakesFor a business, non-profit or association manager, they could befatal, coming as they do in four bitter flavors.Mistake   You limit your PR activity pretty much to placingproduct and service plugs on radio and in newspapers.Mistake   You fail t...	</description>
	<content:encoded><![CDATA[Please feel free to publish this article and resource box inyour ezine, newsletter, offline publication or website. A copywould be appreciated at bobkellyTNI.net. Word count is including guidelines and resource box. Robert A. Kelly  . The Worst PR MistakesFor a business, non-profit or association manager, they could befatal, coming as they do in four bitter flavors.Mistake  ' You limit your PR activity pretty much to placingproduct and service plugs on radio and in newspapers.Mistake  ' You fail to embrace the kind of PR plan thatpersuades those important outside audiences to your way ofthinking, then moves them to take actions that help yourdepartment, division or subsidiary succeed.Mistake  -- You fail to use the high-impact, fundamentalpremise of public relations to deliver external stakeholderbehavior change ' the kind that leads directly to achieving yourmanagerial objectives.Mistake  -- you fail to get the creative potential of yourassigned PR...]]></content:encoded>
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	<title>Divorce and Debt</title>
	<link>http://delinquently.com/964377-Divorce-and-Debt.html</link>
	<pubDate>Tue, 17 Jan 2012 00:21:32 -0600</pubDate>
	<category><![CDATA[Law]]></category>
	<description>
        As common sense and statistics tell us, the leading cause of marital discord is money. Therefore, it is not surprising that many times divorce inventories have more red numbers than black ones. Media sources often portray Hollywood stars of power couples divorcing. Included with the typical hype may be which party will get the mansion, vacation home, or car collection, but rarely is there any coverage about how the parties will divide debt. The hard truth is that debt, just like assets, are incl...	</description>
	<content:encoded><![CDATA[As common sense and statistics tell us, the leading cause of marital discord is money. Therefore, it is not surprising that many times divorce inventories have more red numbers than black ones. Media sources often portray Hollywood stars of &quot;power couples&quot; divorcing. Included with the typical hype may be which party will get the mansion, vacation home, or car collection, but rarely is there any coverage about how the parties will divide debt. The hard truth is that debt, just like assets, are included in the community estate. No matter what your own moral compass may register regarding your and your spouse's debt, Texas case law establishes rules that might surprise you. First, debt incurred during the marriage is presumed to be community debt. See Cockerham v. Cockerham,  S.W.d ,  Tex. . There must be a sufficient amount of evidence to rebut this presumption. Despite well established case law, Texas divorce decrees contain sections entitled &quot;Debt to Husband&quot; and &quot;De...]]></content:encoded>
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	<title>The Myth of the Right to Life - Part II</title>
	<link>http://delinquently.com/295131-The-Myth-of-the-Right-to-Life-Part-II.html</link>
	<pubDate>Thu, 12 Jan 2012 01:37:58 -0600</pubDate>
	<category><![CDATA[Spirituality]]></category>
	<description>
        The Right to Have One's Life MaintainedThis leads to a more general quandary. To what extent can oneuse other people's bodies, their property, their time, theirresources and to deprive them of pleasure, comfort, materialpossessions, income, or any other thing - in order to maintainone's life?Even if it were possible in reality, it is indefensible tomaintain that I have a right to sustain, improve, or prolong mylife at another's expense. I cannot demand - though I canmorally expect - even a trivi...	</description>
	<content:encoded><![CDATA[The Right to Have One's Life MaintainedThis leads to a more general quandary. To what extent can oneuse other people's bodies, their property, their time, theirresources and to deprive them of pleasure, comfort, materialpossessions, income, or any other thing - in order to maintainone's life?Even if it were possible in reality, it is indefensible tomaintain that I have a right to sustain, improve, or prolong mylife at another's expense. I cannot demand - though I canmorally expect - even a trivial and minimal sacrifice fromanother in order to prolong my life. I have no right to do so.Of course, the existence of an implicit, let alone explicit,contract between myself and another party would change thepicture. The right to demand sacrifices commensurate with theprovisions of the contract would then crystallize and createcorresponding duties and obligations.No embryo has a right to sustain its life, maintain, or prolongit at its mother's expense. This is true regardless o...]]></content:encoded>
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