Finance Your Automobile With Poor Credit - CareCrunch Answers

Cars don?t appear at your credit before they make a decision to breakdown. Anyone, with poor credit or great credit, could locate themselves in a circumstance exactly where they need an auto loan. Fortunately, those with poor credit do have possibilities available for financing their vehicles.

?Poor Credit Auto Loans?

One of the most common approaches of acquiring an automobile with poor credit is with a ?negative credit automobile loan?. You can acquire these loans by way of auto dealerships, on-line lenders, and high risk lenders. Usually these loans are available for anybody with a credit score below 600. Folks can locate themselves in this circumstance right after a divorce, after bankruptcy, if they have little credit, or if they have made poor economic choices. The ?poor credit auto loans? are developed to safeguard the lender. They have larger interest rates than conventional auto loans. Nevertheless, it is in your very best interest to shop around for a bad credit auto loan

Risks of Shopping around

There is a threat of buying about for an auto loan. Submitting loan applications to a number of various organizations will lower your credit score even much more. It is in your very best interest to locate an organization that will uncover a variety of Bad credit automobile loans for you, but only check your credit report one time.

Property Equity Loan

Another way to get auto financing with poor credit is with a residence equity loan. The interest rate on a property equity loan is usually lower than the interest rate on a ?negative credit car loan?. Yet another benefit is that the interest is tax deductible on a home equity loan. The one clear disadvantage to this type of financing is that you are utilizing your house as collateral. If you are not able to spend your loan, then you place your home in jeopardy.

Do not shed hope if you have poor credit. There are still alternatives obtainable to finance your auto. Poor credit automobile loans, and residence equity loans can support you obtain your goal of getting a new car.

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Syria Civil War: C.I.A. Reportedly Helping To Steer Weapons To Rebels

The New York Times:

A small number of C.I.A. officers are operating secretly in southern Turkey, helping allies decide which Syrian opposition fighters across the border will receive arms to fight the Syrian government, according to American officials and Arab intelligence officers.

Read the whole story at The New York Times

Contribute to this Story:

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Salvage crews start work to refloat Costa Concordia

Salvage crews began preliminary work this week on preparations to refloat the half-submerged Costa Concordia cruise liner in what is set to be the biggest ever operation of its kind.

A barge has moved next to the liner and the ship's radar has been removed from the upper deck. The swimming pool slide and the large yellow funnel will be taken off in coming weeks, salvage workers and local officials said.

The nearly 1,000-foot cruise liner, operated by Carnival Corp's Costa Cruises unit, capsized off the Tuscan island of Giglio after hitting rocks on January 13. At least 30 people died and two are still unaccounted for.

"The preliminary work has begun before the ship is stabilized, which will happen in the next few months," Mayor of Giglio, Sergio Ortelli, said on Wednesday.

U.S. firm Titan Salvage, owned by Crowley Maritime Corp, and Italian firm Micoperi are handling the refloat and removal of the ship, which is set to cost at least $300 million and last about a year.

The vessel is expected to be stabilized by the end of August to prevent it shifting down the rocky ledge it is resting on and plunging into the deep waters of the surrounding marine reserve.

Slideshow: Luxury cruise ship runs aground (on this page)

Two cranes attached to an underwater platform beside the 114,500-metric-ton ship will then pull it upright, helped by the weight of big water-filled tanks that will be fitted on the part of the ship above water.

Once upright, more tanks will be fitted to the other side of the hull. They will then be emptied and filled with air to refloat the huge liner, which will be towed to an Italian port and broken up.

The ship's owner has said guarantees for the local tourist industry and protection of the environment during the salvage operation will be key priorities.

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CIA releases declassified documents from 9/11 file

WASHINGTON (AP) ? In the months before the terrorist attacks of September 2001, the CIA unit dedicated to hunting for Osama bin Laden complained that it was running out of money, and analysts considered the likelihood of catching the terror leader to be extremely low, according to government records published Tuesday.

The declassified documents, dated between 1992 and 2004, are heavily blacked out and offer little new information about what the U.S. knew about the al-Qaida plot before 2001. Many of the files are cited in the 9/11 Commission report, published in 2004. The commission determined the failure that led to 9/11 was a lack of imagination, and U.S. intelligence agencies did not connect the dots that could have prevented the attacks.

Though few new details are revealed in the documents, the files offer more historical context for the years surrounding the deadliest terror attack on U.S. soil.

The National Security Archive obtained the documents through a Freedom of Information Act request and published them on its website Tuesday. The archive is a private group seeking transparency in government.

An April 2000 document from the CIA's bin Laden unit alluded to a budgetary cash crunch that was cutting into the agency's efforts to track the terror leader.

At that time, al-Qaida was a major concern to U.S. intelligence agencies because of the 1998 U.S. Embassy bombings in Kenya and Tanzania that killed many, including two CIA employees. Bin Laden had declared a holy war against the U.S., and the CIA had received multiple warnings that al-Qaida intended to strike the U.S.

"Need forward movement on supplemental soonest," said a heavily blacked-out document titled "Islamic Extremist Update." The supplemental budget was still being reviewed by the national security council and White House Office of Management and Budget. Because of budgetary constraints, the bin Laden unit would move from an "offensive to defensive posture," the document said. This meant that officials feared they would have to shelve some of their more elaborate proposals to track al-Qaida and instead rely on existing resources.

The "Uzbek Initiative," referenced in the same document, was one of the more expensive programs the CIA ran at the time, according to a source familiar with the initiative. The program involved paying off CIA tipsters who monitored bin Laden followers traveling through Uzbekistan. The source spoke anonymously as a condition of describing the sensitive program.

The documents do not make clear whether the portion of the budget in question was passed. But they hint at complaints later detailed publicly after the 9/11 attacks by previous directors of the bin Laden unit that the Bush and Clinton administrations did not fully appreciate the severity of the threat, and as a result failed to fully fund their operations.

The documents also show that U.S. officials were concerned that bin Laden was using Afghanistan's national airline to carry in vast cash reserves when he was sheltered by the ruling Taliban mullahs in the late 1990s. The CIA's "National Intelligence Daily" in June 1999 urged the imposition of sanctions on Ariana Airlines, then controlled by the Taliban, in order to put pressure on bin Laden's cash flow. His cash flow reportedly depended heavily on flights from the United Arab Emirates into Afghanistan.

"Closing of Ariana's UAE offices would force them to find alternative ? and most likely less secure ? carriers, routes and methods for moving bin Laden's cash," the document said. Later that year, the U.S. and United Nations imposed harsh sanctions on Afghanistan and its airline, shutting down all flights and closing Ariana's offices abroad.

The newly released files also offer details about the subsequent investigations into the attacks.

In one case, the U.S. intelligence community investigated a link between one of the hijackers and the Iraqi Intelligence Service ? a connection that was later proved false but that the White House used in its campaign to connect the attacks to Iraq.

According to a Dec. 8, 2001, CIA report that was sent to the White House Situation Room, the CIA had already made a preliminary determination that 9/11 hijacker Mohammed Atta had not in fact traveled to Prague in the Czech Republic in May 2000 to rendezvous with a senior official of the Iraqi Intelligence Service. Atta was an Egyptian national who piloted American Airlines Flight 11 into the World Trade Center. That he would have met with the IIS was significant for intelligence officials looking for a connection between al-Qaida and Iraq.

But just one day after the report was sent to the White House, Vice President Dick Cheney claimed on NBC's "Meet the Press" that it had been "pretty confirmed" that Atta had gone to Prague several months before the attack. According to the 9/11 Commission report, it turned out to be a case of mistaken identity after a Pakistani with a similar name tried to get into the Czech Republic but was turned away. The document was the basis for a footnote in chapter seven of the 9/11 report.

Even though the information about Atta meeting with the ISS was later disproved, it still resonated with those bent on going to war with Iraq.

The hundreds of pages of CIA files released Tuesday include a chronology of the agency's efforts to catch bin Laden.

A March 2004 CIA report entitled, "The Rise of UBL and al-Qaida and the Intelligence Community Response," discusses the likelihood of the CIA capturing bin Laden in the late 1990s using Afghans to do the job. Such a plan didn't seem viable.

The CIA estimated that none of the available Afghan units had more than a 10 percent chance of capturing the heavily guarded bin Laden. Another option was using Ahmed Shah Massoud, leader of the Northern Alliance, who was friendly with the CIA and fighting the Taliban. "Even if he agreed to do so, his chances of success against the Taliban were judged to be less than 5 percent," the report said. Al-Qaida operatives killed Massoud on Sept. 9, 2001.

President Bill Clinton was criticized for not doing more to catch bin Laden. But the documents show it wouldn't have been an easy task, though some at the CIA were still hopeful they could get him.

"The odds of success are iffy," Michael Scheuer, who ran the CIA's bin Laden unit, said in a 1998 secret memo that was among the declassified documents released Tuesday. "And the thing could blow up at any point along the way."

It would take the U.S. government another 13 years to catch and kill bin Laden.

___

Associated Press writers Kimberly Dozier and Stephen Braun contributed to this report.

___

The National Archive documents can be found at http://www.gwu.edu/~nsarchiv/NSAEBB/NSAEBB381/

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The benefits of servant leadership and self-organisation

? from the 12 principles of Agile

Given an environment that supports such behaviour (such as society) a team, like any other system, organises itself to work in optimum way. The evidence that this is the case is plentiful; there are countless examples of self-organisation creating spectacular results every day in pretty much every situation one can think of.

Enabling self-organisation is the most effective way to get the best out of people.?If you have a cross-functional team full of individuals hired to do a particular job, they will?know best how to do that job. In terms of improvement, which managers are trying to make happen when using metrics to measure teams, the fact of the matter is that human beings intrinsically want to improve. We all want to do our best, and given a supportive environment which values what we do, we in turn will care about what we do and give as much as we can to deliver success to ourselves and those around us.

For this reason, self-organising teams will WANT to measure things so that they can use the data to improve. In my experience at least, Scrum teams want to know their velocity at Sprint Planning and are extremely eager to beat it. It is more of a problem for a Scrum Master that teams tend to want to bring in TOO MUCH work to a Sprint rather than too little. There is genuine enthusiasm for improvement because people take pride in their work and the value they are delivering to the organisation. They certainly do not need a manager telling them (even asking them) to improve, and all this will do is create a feeling that the team has been failing rather than celebrating what has been delivered so far. Yes, one might see short term improvement from such an approach but this level of performance will not be sustainable and will damage the fabric of the positive culture that the team was part of.

If teams are provided with a proper business vision, and their input is welcomed, valued and acted upon, they will likely buy in to the vision because they choose too. If things are pushed on people then they will not feel passionate about them. People are passionate about things that they want to be passionate about; this cannot be forced. Give people something to be passionate about, then give them?the environment and tools to succeed. Your teams will achieve great things.

What about people management?

Like self-organisation, teams are self-managing too. Aside from the SM?s leadership, leaders will emerge from the team in the areas that perhaps most require leadership (e.g. technical and practical).

Aside from its own dynamic and culture, a team needs to be able to develop its own process, own it and change it when required as the product evolves. Process and continuous process improvement (kaizen, retrospectives) will emerge as the team adapts to its environment, culture and product requirements.?If a process is pushed upon a team, the team members may accept it but will never truly own it or care about it.?If the process isn?t working, the team will complain rather than fix the process because that?s all the team members?think they?re allowed to do.

Summary

To my mind, self-organisation and self-management are two sides of the same coin; one leads to the other. The effectiveness that an environment promoting this behaviour can muster is limitless. This is particularly true in knowledge management?work such as software development,?which is a creative pursuit and generally attracts?smart, well-educated and motivated people who like to be able to question their boundaries and change the rules if required.

Under which leadership style do?you work best?

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Weight watching: 10 jobs that are making you fat

In the interest of full disclosure, I?m writing this post as I eat a chocolate chip cookie brought in by one of the lovely and talented Forbes producers. I like to call this ?reporting from the trenches."

(Of sedentary employees who are getting fatter by the minute, that is).

This week, job-hunting hub CareerBuilder.com released the results of a survey that tells us 44 percent of American workers have gained weight at their current job. Twenty-six percent gained more than 10 pounds and 14 percent gained a whopping 20.

Surveys like this one hit me particularly hard lately ? most specifically because I sat through all four hours of HBO?s ?Weight of The Nation? and am seriously concerned. Did you see those fatty livers? Did you?
But enough preaching. Since technology allows us to do our jobs, talk to colleagues and attend meetings without ever leaving our desks, and the average American works more than 47 hours a week, it?s no wonder only 18 percent of adults get the total amount of physical activity recommended for good health. Most of us rarely get out heart rates up outside of work either ? we commute in our cars, on trains or subways, and when we return home tend to seek out the couch straight away. In fact, nearly 40 percent of us get no physical activity at all.

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None.

To be fair, I do get some. But as a web reporter, meaning I spend nine hours of my day in an office talking on the phone and exercising my finger muscles tap-tap-tapping away on my keyboard, I can commiserate with the under-developed muscles of most of America. Lucky for me I don?t earn a paycheck in one of the fattest professions revealed this week.

That?s right, according to CareerBuilder, there are certain occupations that had a higher incidence of workers reporting a significant weight gain, which the experts say are tied both to sedentary work environments and highly stressful positions. More than half of the employees who gained weight blamed it on sitting at their desks for the entire day, up to and including their lunch hour (guilty as charged).

Here are the 10 jobs where employees are most likely to gain weight:

  • Travel agent
  • Attorney/judge
  • Social worker
  • Teacher
  • Artist/designer/architect
  • Administrative assistant
  • Physician
  • Protective services (police, firefighter)
  • Marketing/public relations professional
  • Information technology professional

Other scapegoats for weight gain on the job (besides sitting on our butts all day) are stress (37 percent said they gained weight because of stress), eating out with coworkers/clients (23 percent), workplace celebrations (18 percent) and the pressure to eat the delicious treats their coworkers bring into the office (10 percent ? damn you and your cookies).

Of course, your employer (or profession of choice) isn?t entirely to blame for those extra pounds. According to CareerBuilder, more and more companies are doing their part to implement healthy living and fitness initiatives. ?Twenty-nine percent of companies provide gym passes, workout facilities or wellness benefits for their employees,? says CarrerBuilder?s VP of human resources Rosemary Haefner. ?But only 10 percent of workers say they take advantage of the benefit.?

Meaning it?s more about you than your career. Over on Jezebel, Cassie Murdoch looks at the flip side of the ?oh my god we need to exercise more? conversation, citing another recent survey:

Either way, looking at this week?s list of professions in which employees should be even more on guard for weight gain than others, I was really struck by one thing: No one is safe. Reporters aren?t on this list but I?m not mounting my high horse on this one. If firefighters are gaining weight saving lives, my waist is growing with every keystroke.

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