stlouismortgage's posterous http://stlouismortgage.posterous.com Most recent posts at stlouismortgage's posterous posterous.com Sat, 16 Jul 2011 14:37:09 -0700 St Louis Home Loans and Mortgage Refinancing: Huge Tax Breaks For GM http://stlouismortgage.posterous.com/61265758 http://stlouismortgage.posterous.com/61265758

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St Louis Mortgage and Real Estate News –

St Louis Finance and Loan Modification News: General Motors Gets Sweetheart Tax Break
St Louis Home Mortgage and Commercial Loans | Principal Loan Reduction
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Reduction

 The United States government is giving a sweetheart deal to General Motors worth approximately $14 billion in tax revenue.

The company posted their first profitable year since 2004 according to St Louis finance experts.

But GM won't have to worry about being hit with a big tax bill on earnings because billions in previous

losses will shelter it from taxes for years to come.

That break will reduce GM's U.S. tax bill by an estimated $14 billion in the coming years and its global taxes by close to $19 billion, according to a company filing.

Companies typically get a tax break on future taxes because of past losses.

But in most cases they lose that tax break during bankruptcy, because the losses are offset by the "income" the company receives from shedding its debt.

Since the company shed $30 billion in debt during bankruptcy, it should have wiped out most of the tax break.

GM even warned it expected to lose those tax breaks shortly before filing for Chapter 11 protection.

But somehow, that never happened, and the automaker was able to keep most of its tax breaks, essentially receiving a $14 billion "gift" from the government.

While it's unclear why the automaker was allowed to carry over its losses, some experts insist that GM got preferential treatment.

"A lot of things were done differently here" said Heidi Sorvino, head of the bankruptcy practice at Lewis Brisbois Bisgaard & Smith.

She said that the tax break was just another example of how GM's bankruptcy process was unlike any previous bankruptcies.

One reason the government might have let General Motors claim the loss, was to reduce the perceived cost of the bailout, said Linus Wilson, finance professor at the University of Louisiana at Lafayette.

By allowing GM to carry over its losses, the reduced tax collections from the company were unlikely to be counted under most accountings.

But the question has to be asked: Where are these types of free financial "gifts" or write-offs for the small and medium business owner in this country?

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Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us at (314) 334-0210 and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available.Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan. Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

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ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family.

============================================

St Louis Beauty Supply and Avon - Kristin Tapia

QR Code for stlouisbeauty at Kimtag

St Louis Mortgage and Loans - Liberty Lending Consultants

QR Code for stlouismortgage at Kimtag

St Louis Mobile Coupons

QR Code for stlmobilecoupons at Kimtag

St Louis Magic and Birthday Parties - Josh Routh, Circus Kaput

QR Code for stlouismagic at Kimtag

To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here for your smartphone.

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Mobile Phone Users Click Here For Your Safe and FREE STLTEXT Shopping App  

 

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Tue, 28 Jun 2011 07:57:55 -0700 St Louis Mortgage Refinancing and Home Loan Mortgage: Higher Credit Card Rates http://stlouismortgage.posterous.com/st-louis-mortgage-refinancing-and-home-loan-m http://stlouismortgage.posterous.com/st-louis-mortgage-refinancing-and-home-loan-m

STLTEXT, St Louis Mobile Coupons, Cell Phone Advertising and iPhone APP For Local Shopping

St Louis Mortgage and Real Estate News –

St Louis Finance and Loan News: Credit Card Rates At All Time High
St Louis Home Mortgage and Commercial Loans | Principal Reduction Program
877-334-0210 or 314-334-0210 | Floyd Tapia, Commercial Lending and Loan Modification Advocate

 Current interest rates for credit cards are now hovering near record highs, at an average rate of 14.72 percent.

And if your credit is bad enough, you could even end up with a rate as high as 59.9 percent APR.

That's because while the CARD Act helped

crack down on certain fees and requires more disclosures, it didn't cap every credit card holder's worst enemy: interest rates.

The new rules prevent banks from raising most interest rates retroactively, but there's no limit on the rates they can charge new customers, and that has the consequence of driving rates up for new customers.

"Rates are going up because card issuers know that once you get a card they can't raise the rates, so they're raising rates on the front end to ensure they get the revenue from that interest," said Beverly Harzog, credit card expert at Credit.com.

Annual percentage rates have climbed more than 20 percent over the past two years and hit an all-time high of an average 14.78 percent in mid-November 2010.

This information was based on weekly data CreditCards.com collects from 100 of the nation's top credit card issuers.

And there seems to be no end in sight.

While interest rate caps have been proposed which includes a proposal from New York Congressman Maurice Hinchey that would limit rates at 15 percent, as of yet, none have been passed into law.

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Articles and News Sponsored by Liberty Lending Consultants

When applying for any type of St Louis mortgage or refinancing, call Liberty Lending Consultants, the recognized St Louis home loan and refinancing experts, at (314) 336-9111 and ask for Steve Swan or Doug Stahlschmidt.

Business Owners: Call us at (314) 334-0210 and retain us for one of the best commercial loan modification and principal loan reduction programs available. A principal reduction or loan modification can help if you are underwater with negative equity. As commercial lending and loan modification program consultants, Floyd Tapia and his lending and legal team can focus on bringing you innovative private lending solutions to meet all types of financing needs. We have access to the largest portfolio of private lending institutions and investor backed funding sources available. Let us turn your challenges into closings (or from being underwater equity wise) and help you get a St Louis commercial lending, mortgage or financing loan.

Sponsored by: St Louis Mortgage, Lending and Refinancing 877-334-0210 Member of the Better Business Bureau Check back daily for more financial news.

We Are Now On Google Maps!

St Louis Mortgage: Scan the below code with your smartphone for more details on the best home mortgage, commercial lending and financing and the best principal reduction program available.

=============================================

ARE YOU UPSIDE DOWN ON YOUR HOME?
ARE YOU FACING FORECLOSURE?

What if you could substantially reduce your existing mortgage debt balance in as little as 90 days with one simple application or even get a reduced mortgage principal settlement due to common errors found in 85% of mortgages?

Principal Reduction Program: Watch These Shocking Mortgage Fraud Videos...

You can save your home or business and put a foreclosure stop on the process. A principal reduction or loan modification can also help if you are underwater with negative equity.

Take action now in order to save your home. Waiting will not help. It will only make your situation worse. This book shown below will take you step-by-step on how to properly fix your mortgage.

Visit our principal reduction and loan reduction website for your FREE loan audit and loan review today!

Before you hire an expensive attorney, do your due diligence first and educate yourself so that you make the right decision for you and your family.

============================================

St Louis Beauty Supply and Avon - Kristin Tapia

 QR Code for stlouisbeauty at Kimtag

St Louis Mortgage and Loans - Liberty Lending Consultants

QR Code for stlouismortgage at Kimtag

St Louis Mobile Coupons

QR Code for stlmobilecoupons at Kimtag

St Louis Magic and Birthday Parties - Jason Routh

QR Code for stlouismagic at Kimtag

To "read" the boxy black-and-white bar code above, you'll need a smartphone. If you need a reader APP, you can => Download a QR code APP reader here for your smartphone.

=======================================

Mobile Phone Users Click Here For Your Safe and FREE STLTEXT Shopping App

 

Permalink | Leave a comment  »

]]>
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Wed, 15 Jun 2011 22:53:00 -0700 Local Consumers Say St Louis Paper Coupons May Be Dead Like The Yellow Pages http://stlouismortgage.posterous.com/local-consumers-say-st-louis-paper-coupons-ma http://stlouismortgage.posterous.com/local-consumers-say-st-louis-paper-coupons-ma

STLTEXT, St Louis Mobile Coupons, Cell Phone Advertising and iPhone APP For Local Shopping

ST LOUIS COUPON and MOBILE NEWS: Are Paper Coupons Going The Way Of 8-Track Tapes

STLTEXT.org Mobile Ads | 314-698-4092
(TEXT) stltext   info (TO)  368674

Retail stores, restaurants, auto repair, grocery chains, food and drug manufacturers, hair salons, dentists, veterinarians, real estate agents and even coupon marketers themselves are now going electronic on the Internet.

You no longer need a pair of scissors, a magnifying glass and a Sunday paper for locating St Louis deals and discounts.

Simply visit a Web site, type in codes, and you will find all the coupons waiting for you, electronically, in your e-mail box or even at a store's cash register.

The latest and most innovative way of getting St Louis coupons is via text messaging to your cell phone or by entering your favorite store's texting code. American Idol made this new form of advertising and communication a household event.

These companies are hoping that these electronic coupons, deals and discounts will revive the already dying paper coupon business as it has the famous Yellow Pages books.

A shocking 0.5 or half of one percent of the total 285 billion coupons issued in 2009 were ever redeemed. These statistics were provided by the coupon processor NCH themselves showing this is down from an average of 1 percent just a decade ago.

The overwhelming problem is that newspaper readership is declining. Thus, fewer people are looking at Sunday newspapers and circulars.

And the younger shoppers or Generation X as they have been dubbed prefer to read their news online with over 50,000,000 doing so with their brand new smartphones.

The hectic pace nowadays mean fewer people take the time to clip, organize and sort coupons each week.

Think about how much time you spend on your cell phone or computer compared to reading a newspaper.

Billions of people keep their mobile phones close to them most if not all of the time for talking or texting. This is why the advertising industry has gone not only to the Internet but has recently gone mobile as St Louis Mobile Coupons website has done.

Their are many good reasons for companies making the move to the e-coupon form of advertising including:

  • Redemption rates are much higher and can be as high as 12 percent although the technology is so new that the marketing industry refuses to be more specific.
  • Redemptions are easier and quicker to track. Plus, if they appear on your cell phone, you are less likely to lose that coupon. And you can send or forward the mobile coupon as a text message to family and friends. Talk about referral marketing at its best.
  • They can now get more information about who's buying their products.
  • They can use these newer forms of advertising to cultivate loyal customers by giving additional savings and discounts to shrewd consumers who sign up for a subscription via their mobile phone. And why not... over 81 percent of cell phone users have unlimited texting capabilities thus making it free for everyone.
  • And finally, they are more environmentally friendly. Going green can be fun and at the same time save you tremendous amounts of money at your local retailer!

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Local St Louis Avon Rep:

Kristin Tapia St Louis Avon Rep and Products Specialist

Phone: 314.627.0302

St Louis Beauty and Avon Products Consultant

Kristin Tapia, St Louis Avon Rep

(TEXT) stltext avon (TO) 368674

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Serious Writers and Authors Need Unique Article Wizard:

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It is now convenient shopping from your cell phone when getting a St Louis coupon from STLTEXT.org mobile ad company. Shop with the absolute best merchants in St. Louis by getting mobile coupons for St Louis businesses.

 St Louis Mobile Coupons iPhone Apps

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