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Orchard Fundings is a great company that is doing good things for people that need it most. Orchard Funding gives non-recourse cash advances to help plaintiff with lawsuit funding and pending settlements. If you are currently in litigation or have been in the past you know how expensive a trail can be. You also know that when you are up against a corporation with deep pockets the can make this experience extremely difficult. Thi8s kind of a cash advance can be the difference in settling because you have to getting the judgment you deserve. Orchard Funding, LLC was formed to help direct plaintiffs, there attorneys and medical providers on the web to the information they need to have regarding lawsuit funding. Lawsuit funding is a non-recourse cash advance on a pre-settlement lawsuit. This means repayment by the plaintiff is only necessary should there case settle. They have the ability to provide the financial means necessary to cover your living and other expenses during the course of your lawsuit. The cash can be used to pay for bills and expenses such as medical bills, rent, mortgage payments, car payments, legal expenses and other expenses, so you are able to keep your life together. Too many times lawsuits are settled because the plaintiffs are stretched so thin by the stalling tactics and countless motions. There is finally someone in the plaintiff’s corner and that is Orchard Funding, LLC.

BankRx is a reference site for anyone that needs help understanding the banking crisis and bank failure. It does not matter if you are a professional, consumers, or even an analyst, they all have noe thing in common the need determine the financial health of the bank. More banks have failed this year than in last 10 years combined. While the cause of failure may be known, how do you determine that your bank is safe? When we went to the site, we learned about banks that are healthy and those that are not. They can help you use this analysis in determining the health of your bank. BankRx have developed a process by which they can accurately determine the relative health of a bank compared to its peers. Using RxIndex a proprietary bank health measurement index, they noticed that 80% of the banks that failed this year were in bottom 5 percentile of financial health measure. Use there tools to check your bank today.

You can earn a site up to 500% income in 200 days. StableInterest.com offers the best option to invest money online. Open an account and Sign up for Stable Interest. This is a great home based business or a second income source that will bring you stable profit from your investment portfolios. You will experience the professional approach and maximum security of your funds. They work in the currency market, stock market. StableInterest.com has been launched online after successful offline activity. At the start, about 50 large investors entrusted their funds to use in the financial markets. Then they spread to profitable investing activity online, making the opportunity available for everyone as a business opportunity. If you are an online investor, or looking to invest money online for starting a new income source, StableInterest.com is a great place to begin.

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There is finally a stream of revenue the newspapers to try that might work. We have been watching the decline of newspapers as money leaves and there is no way to recoup. This is not the case with The Arkansas Democrat-Gazette and the Idaho Post Register have had circulation remaining stable while the former has seen an increase. That is right an increase what is the secret? They give free access to their Web sites to only people who subscribe to the printed edition. Everyone else has to pay to read the newspapers content online. This is a great example for a product that understands how to survive and it is probably too late for the other dieing broadsheets to use this example. The newspaper industry has seen $11.6 billion, in annual advertising revenue leave over the last three years. Still there are other who do not get it Newsday plans to charge for online access to the publication beginning this summer. MediaNews Group, which owns 54 daily newspapers, has decided to charge for the online version of its print editions they are just not sure when. Hearst Corp. is assessing whether online fees could help save its 15 remaining daily newspapers, including the San Francisco Chronicle and the Houston Chronicle. This is all a mute point whether newspapers charge for their online content or not, as long as free news remains on Yahoo, MSN and AOL, newspapers will be in a dog fight to sell content against it.

The town of Apex, North Carolina needs to replace computers and police vehicles. They are going to save $13,000 by posting public notices of rezoning requests and major land development plans on the town’s Web site, rather than in the local newspaper. There are state laws that require newspaper notices to inform citizens about official activities, changes to tax laws, foreclosures and public meetings. This has been quite a revenue stream for newspapers. This is a battle that newspapers might need to fight and it looks they might have help. There are groups coming out the woodwork due to lack of Internet in rural areas and the low cost of newspaper. There is also a public record factor and archiving of newspaper that the Internet has not been able to give a warm feeling about. The reality is Newspaper have lost classified ads to Craig’s list, job listing to monster, house listing to realty web sites, and this is just the next print job to jump ship. Even President Obama has proposed saving $6.7 million over five years by having federal authorities publicize an Asset Forfeiture program on the Internet instead of in newspapers. North Carolina has allowed Apex and a few other towns, to use the government website. Legislators in Pennsylvania, New Mexico, Florida and Arizona this year also considered changing the rules.

The economic downturn for newspapers, which is going to happen more, is still trying to find away. The Rocky Mountain News no longer prints, delivers, even an online newspaper, just plain closed down. Back in February is coincided to the Denver Post leaving the print version only a memory. They cut the newsroom staff in half and moved forward online only. The members that were let go have started a project to fight back and hit the E.W. Scripps with another sucker punch when it is down. Let go staffers are going to start a daily online magazine starting in the summer of 2009. The name is the Rocky Mountain Independent, which is a great play on words from where they have comes to what they need to be. This is going to slice into what The Rocky Mountain News has for a base now but ore important is any revenue they move away from The Rocky Mountain News is another nail in the coffin. The paper is a $130 million in debt and has lost revenues anywhere from 15-20% each year. The staffers that were let go that day in February are doing the only thing they know, in the game of survival of the fittest we think the upstart in going to be hungry and a just little competitive against their former employer.

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Today is D-day for the Boston Globe; the parent company New York Times has asked the unions to make concessions to stop the bleeding. The Boston Globe lost almost a million dollars a week last year and is on a pace to lose 85 million. The New York Times is has their own major financial problems. They recently have had to sell their building and rent space that they once owned. This is a problem for all newspapers as ad revenue moves to Internet and other streams. If the unions at the Globe will not concede on some issues then it is more than likely going to be a kill shot for another newspaper. The Boston Globe held a rally for support from local politicians to keep the paper alive. Senators Kennedy and Kerry have signed a letter claiming that the paper is an institution and needs to be saved. That is right a bailout for a newspaper, there was no official number of the supporters at the rally but there was one estimate of a couple of hundred people. We will watch and wait for what is next but May first could be the day the countdown to the end begins for the Boston Globe.

First day of summer 19 days
Terminator Salvation Movie Debut 21 days
Transformers 2 Movie Debut 56 days
Days until 2010 – 248 days
Day until a New President 1362 days

 National Debt 4/28/1999    5,598,229,787,052.49
National Debt 4/28/2009   11,194,339,423,305.97

Sometimes I feel like I’m beating a dead horse
An I don’t know why you’d be bringing me down
I’d like to think that our love’s worth a tad more
It may sound funny but you’d think by now
I’d be smiling I guess some things never change
W. Axl Rose Dead Horse (1991)

The global recession does not bother Nintendo, they are so confident in their products that there will be no price drop for the Wii, DS or DSi. Nintendo has sold more than 50 million Wii consoles worldwide in less than three years, and more than 100 million Nintendo DS and DSi portable handheld game machines worldwide. Nintendo claims they own the market, as there is no similar gaming devices that do what theirs do. The Wii wand controller and the touchpad play of the DS and DSi are competing against no other devices. Nintendo Wii and DSi have easier-to-play games that have attracted newcomers to gaming, including older people. The Wii sells for $250 in the U.S., and the price has never been lowered since the debut. When you compare that to the Microsoft Xbox 360 and the Sony PlayStation consoles, which both have been slashed to attract more buyers the Wii is alone in that regard and standing pat. Sony has just slashed the price of the PlayStation 2, from $129, to $99. The bottom line is in this year of bad economic news reported everyday Nintendo is set to have a better financial year than both Toyota and Sony.

NBA Playoffs 9 days
NFL Draft 16 days
Terminator Salvation Movie Debut 42 days
Transformers 2 Movie Debut 77 days
Days until 2010 – 269 days
Day Until A New President 1383 days

National Debt 4/7/1999 5,663,113,018,155.76
National Debt 4/7/2009 11,152,772,833,835.89

She loved him yesterday Yesterday’s over
I said okay That’s all right
Time moves on That’s the way
We live and hope to see the next day
W. Axl Rose Dust N’ Bones (1991)

While everyone in the world celebrated St Patrick’s Day this country turned another page and it was one for the history books. The National Debt climbed over $11 trillion dollars (11,042,553,971,450.47) for the first time in our history. The furthest back we can do to find date was January 4, 1993; the debt was only a mere $4,167,872,986,583.67. This means we have almost tripled this number in 16 years. This is the reason we show the figure everyday and what it was ten years ago.We provided a chart below the debt based on March 17, over the last 16 years. When you look at the numbers you can see it always did not grow so fast. From 1993 to 1997 it grew $1.1 trillion and from 1997-2001 it only grows $400 billion. From 2001 to 2005 it grew $2 trillion, and in the last four years it has doubled to 4$ trillion in just four years. We are now falling a trillion dollars more in debt every year.  This sounds good except it is wrong is it even high than that as last year it was 9,379,249,299,253.81 which means it grew over 1.8 trillion in the last year. If this does make you feel worse then remember this on January 1,1835 the debt was 33,733.05. We have come a long way baby.

Mach 17, 1993   $4,214,956,287,399.95

Mach 17, 1997   $5,363,306,532,631.89 

March 17, 2001   $5,725,427,309,171.06 

March 17, 2005   $7,773,614,003,547.15 

March 17, 2009  $11,042,553,971,450.47

The Seattle Post-Intelligencer will print its final edition Tuesday. The Hearst Corporation, which owns the 146-year-old newspaper failed to find a buyer for the newspaper, so now the Seattle Post-Intelligencer will shift entirely to the Web. The decision to abandon the print product in favor of an Internet-only version is the first for a large American newspaper, raising questions about whether the company can make money in a medium where others have come up short. The Seattle Times will be the only mainstream daily left in the city. This is another hit for the North West as The Rocky Mountain News closed this year. Heart also hinted that next up was the San Francisco Chronicle. This is not a slow happening as right now four newspaper companies, including the owners of the Los Angeles Times, Chicago Tribune and The Philadelphia Inquirer, have sought Chapter 11 bankruptcy protection. The Seattle Post-Intelligencer had 181 employees; the Web site version will employ about 20 in the newsroom operation and another 20 to sell ads. The newspaper’s print circulation was down to 117,000, from nearly 200,000 in 1998.The Seattle Post-Intelligencer dates back to 1863, as a four-page weekly.

NCAA March Madness 2 days
Countdown to Spring 3 days
MLB Baseball Opening Day 19 days
NBA Playoffs 32 days
Days until 2010 – 292 days

 National Debt 3/13/1999 5,653,581,734,840.04
National Debt 3/13/2009 10,983,750,182,347.25

Welcome to the jungle
We got fun ‘n’ games
We got everything you want
Honey we know the names
W.Axl Rose Welcome to the Jungle (1987)

The way consumer credit scores are calculated has changed. The Fair Isaac Corp. has a new scoring model for determining credit scores, dubbed FICO 08. FICO scores – which range from 300 to 850, with higher scores being better – are based on consumers’ credit histories and reveal their risk for defaulting on loans. A good credit score is anything higher than 700. The new formula is more forgiving of minor issues. The good news is that the Fair Isaac Corp. predicts that more people will see their score increase than decrease. In calculating scores they take into consideration factors such as a person’s financial history including indebtedness, length of credit history, and number of open lines of credit. The difference with FICO 08 is the weight these factors will carry. Some of the changes include Debts less than $100 will not have as large a negative impact. There is a more comprehensive look at a credit history; one negative will not destroy their credit rating. There are new restrictions on Piggybacking. Piggybacking is when a credit card holder with good credit let’s another person, perhaps with lousy or no credit, be an authorized user of the card. The good credit of the card holder would then have a positive impact on the other user’s credit. In order to reduce fraud associated with piggybacking, FICO 08 restricts piggybacking to only the card holder’s family. If a consumer had a history of using most of his or her available credit, it had a negative impact on their score; now that impact will be even larger. Other new bad things are having too few open accounts, a number of inactive accounts or closing accounts will have a more significant negative impact. Having varied lines of credit is a plus a mortgage, a car loan, or school loans in addition to credit cards will have a positive affect on a credit score.

The February 17, 2009 law the American Recovery and Reinvestment Act President Obama signed is an economic stimulus plan totaling $787 billion in federal spending and tax cuts. For small business owners the following are examples of how the American Recovery and Reinvestment Act will benefit small businesses nationwide:Small Business Financing

The U.S. Small Business Administration will receive $730 million from the stimulus package—more than doubling their operating budget from 2008. According to a press release from the SBA, funds will be divided among many programs including:

$375 million for temporary fee reductions or eliminations on SBA loans, and for increased SBA guaranteed shares, up to 90 percent for some loans

$255 million for a new loan program to help small businesses meet existing debt payments; and $30 million to expand SBA’s Microloan program, enough to finance up to $50 million in new lending and $24 million in technical assistance grants to microlenders.

Small Business Tax Breaks

Qualified Property Expense Increased. The ceiling on the Section 179 tax break—allowing companies to expense qualified assets in the first year of service—has been increased from $133,000 to $250,000

Bonus Depreciation Extended. Originally instituted in 2008, businesses will again be able to take an additional bonus depreciation expense of up to 50 percent of the cost of newly acquired fixed assets.

Loss Carry Back Expanded. Only available to companies with sales less than $15 million, a business which incurs operating losses in tax years ending after December 31, 2007, can offset such losses against income earned in previous years and obtain a refund on previously paid taxes.

Vehicle Depreciation Expense Increased. The depreciation expense for passenger vehicles in their first year of service—limited only to those placed into service in 2009—was increased from $2,960 to $10,960. The depreciation expense for light trucks and vans increased from $3,160 to $11,160.

NCAA March Madness 8 days
Countdown to Spring 9 days
MLB Baseball Opening Day 25 days
NBA Playoffs 38 days
Days until 2010 – 295 days

National Debt 3/9/1999    5,650,748,864,597.49
National Debt 3/9/2009    10,952,663,030,603.41

I Know This Chick She Lives Down On Melrose
She Ain’t Satisfied Without Some Pain
Friday Night Is Goin’ Up Inside Her…Again Well Crack The Whip
‘Cause That Bitch Is Just Insane
W. Axl Rose Pretty Tied Up (1991)

Guess this is a week for bad news for newspapers; today Time released a list of ten newpapaers that will fold before the end of 2009. Yesterday we found out that less than two years after opening, Renzo Piano-designed headquarter the New York Times needed to sell it to raise cash. The $225 million sale will not result in a move, as the company also signed a 15-year lease on 21 floors in the 52-story structure. Rent for the 750,000 square feet of space is $24 million for the first year. It will escalate each year from there, with a buyback option in the 10th year. The Times basically sold their 58% of the building, to developer Forest City Ratner the rest. This is only a drop in the bucket as several hundred million in debt is coming due over the next two years. The next on the block could be the Boston Globe which is losing a million dollars a week according to Time. They might package The Boston Globe, a Cable sports network in Boston, NESN and the cherry of the deal an 18% share of the Boston Red Sox., to stay alive.

MediaNews Group, the nation’s fourth-largest newspaper chain, said it would test a customized newspaper service this summer at The Los Angeles Daily News. The service will allow readers to choose only the stories they want. MediaNews has been working with a technology company to develop a proprietary printer for a reader’s home. It would receive and print a subscriber has customized newspaper with targeted advertising of course. It is still not clear if subscribers will pay extra for the printer. There was a failed version of this in 1993 when the tried fax newspapers to subscribers. This is another attempt for the newspaper industry to try to hold on to some semblance of what it had been in the past. The days of printed-paper are going by the boards, as the green movement, busy schedules, and instant updated news on the Internet are the reality, making a printed newspaper yesterdays news.

We were drilling deeper into the American Recovery and Reinvestment Act of 2009 or spendulus as we have called it today we are going to focus on how the Agriculture, Rural Development, Food And Drug Administration, And Related Agencies are going to spend the money they have been given. The total cost of the Title I department is $15,641,430,000 that is broken down below as to which agencies get what and how they are to use it. We are not sure how this will stimulate the economy because many of this looks like money for programs that already exist and subsidized and unsubsidized loans.
Countdown to 78th Oscar Awards: 2 days
Countdown to Spring 28 days
MLB Baseball Opening Day 44 days
Days until 2010 – 314 days
National Debt 2/18/1999 5,613,957,968,591.41
National Debt 2/18/2009 10,789,925,775,196.76

So stake your claim, your claim to fame
But baby call another name
When you feel the fire, and taste the flame
W. Axl Rose (1991) Back Off Bitch

We reported that video games and consoles enjoyed a great holiday season. Well the drum beat just keeps on the for the video game market. Americans bought $445 million worth of video game hardware during the month of January, this is a 17% increase from last year. Nintendo was out in front of a 13% growth. The Nintendo Wii had another 679,200 units sold, followed by the handheld Nintendo DS with 510,800 units. The Xbox 360 from Microsoft sold 309,000 units and the PlayStation 3 from Sony sold 203,200 units. This of course brings software sales along as well which climbed 10%. Nintendo had a great month here as well moving 777,000 Wii Fit making it the top selling software for the month. We are not sure if there is more than two things at play. When you see numbers like this you can usually bring it local. We do know many families who have gotten a Wii over the last six months, so it makes sense the amount of units being sold and the Wii Fit seems to be hand in hand. The other thing is with people not going out as much and maybe where the whole family can play the Wii this might replace a family night at the movies, bowling or trips to the mall.

Countdown to 78th Oscar Awards: 8 days
Countdown to Spring 34 days
MLB Baseball Opening Day 50 days
Days until 2010 – 320 days

National Debt 2/11/1999 5,588,062,219,274.99
National Debt 2/11/2009 10,759,196,587,563.44

I’ll take a nicotine, caffine, sugar fix Jesus don’t ya git tired of turnin’ tricks
But when your innocence dies You’ll find the blues
Seems all our heroes were born to lose
W. Axl Rose Right Next Door to Hell (1991)