WINDSOR, Ont. -- Disbarred lawyer Scott Sullivan laid much of the blame for money wrongly taken from his firm's accounts on the bookkeeper who last week testified he forced her to submit to beatings in the nude.

Testifying Friday at his fraud trial " where prosectors are asserting he diverted money for his own use and bilked clients of hundreds of thousands of dollars " the former real estate lawyer said there was no physical violence between he and Kristine Robinson-Limanek.

Robinson-Limanek testified Tuesday that when she messed up at work, Sullivan would take her to her home, force her to strip and assault her with a stick. She said she was paralyzed by her fear of her former boss.

"Did (Robinson-Limanek) ever appear to be paralyzed with fear," Sullivan's lawyer Dan Scott asked. Sullivan quickly answered "No," before Scott could continue, "while she worked for you?"

"No," Sullivan, 43, repeated.

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In order for you to know how to get approved for a secured credit card after a dismal credit performance, it is highly recommended that you get some education about it. First things first. To be eligible for this card, make sure you are not either new to credit cards use or one who has a good credit history. If you are, then you are barking at the wrong tree.

The application process is not as daunting because few requirements are required in how to get approved for a secured credit card. Your income and age are taken into consideration but only for the purpose of determining which credit limit best suits you. Banks will not approve applications that are very risky so you really need to dig more information. Unemployed individuals are usually turned down for obvious reasons. Old age is high risk not unless the applicant receives monthly allowances or pension.

Important in this venture is your credit history which is a prime consideration in how to get approved for a secured card. If you are an applicant who does not have a credit history, you have a better chance than anyone who has a poor credit history. Being a first timer, you deserve the benefit of the doubt. With that, you only have to satisfy the two foregoing requirements and wait for the card to come to your doorstep. That goes to say that if you possess a poor credit history, the chances are rather slim.

Secured credit card applications require applicants to have cash collateral deposits which range from 200 to 500 dollars. That is a basic requirement in how to get approved for a secured credit card, a distinction that makes these cards entirely different from their counterparts (unsecured). Your cash deposit is the credit company's security from losses should you register delinquent payments.

It therefore follows that if you have the knowledge about the system, have satisfied the qualification, have the determination to take the essential steps and have the money for the initial cash deposit, your application to acquire this type card will most likely be approved.

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WEDNESDAY, DEC. 7
Sale of silver and gold to benefit the Baptist Medical Center Beaches auxiliary, 7 a.m.-4 p.m., Baptist Medical Center conference rooms, 1350 13th Ave. S., Jacksonville Beach. (904) 627-1320.

Senior Days for members of the senior community, 9:45 a.m., Museum of Science and History, 1025 Museum Circle. Includes a coffee and cookie reception, an exhibit tour, a planetarium program and free time in the museum. $6. Reservations required. (904) 396-6674, ext. 226.

Brown Bag Lunch Lecture, noon, Amelia Island Museum of History, 233 S. Third St., Fernandina Beach. Features author Cara Curtin with "Fernandina: Fact or Fiction." Free. (904) 261-7378, ext. 102. (904) 261-7378.

All Of Us For Alex to benefit Alexander Fast and mother Michelle Smith, 14, 5-8 p.m., The Foundry, 1955 Florida A1A S., Anastasia Island, St. Augustine. Includes a silent auction, food, an art sale and raffles. $10. (904) 829-6831.

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Dear Debt Adviser,
Why is it that nowadays every organization that you do business with, from insurance to employers, wants to access your credit report?

I can understand if you were applying for a job that involves handling money that they might want to see if you have the potential for embezzling, but my homeowners insurance company accesses my credit report every year and raises our insurance based on the amount of credit we have. If our debt owed is high, they assume that we are a high risk for filing a claim down the road. They do not take into account that we are never late on any of our debt and that in 10 years we have never filed a claim on our home or auto or motorcycle insurance policies. Why should we be included in some sort of risk-based assessment, and is this legal?
-- Gina

Dear Gina,
The reason so many companies and individuals use credit reports as an assessment tool is because they work. And I hate to be the one to tell you, but you can expect a lot more of it in the future.
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*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.

I have noticed an increase in the number of secured credit card offers. Unfortunately, many companies are trying to take advantage of people who are attempting to rebuild their credit history. The number of scams is increasing at an alarming rate, and I have received multiple offers in my email account and mailbox for these types of cards.

The Rise of Secured Credit Cards

Secured credit cards offer consumers the opportunity to build or rebuild their credit by issuing cards with an attached form of collateral. Most companies force the customers to open a savings account that serves as collateral. The line of credit is directly tied to the amount of money in the savings account.

My first encounter with a secured card was in college while I was trying to establish a credit history. I decided that the fees were too high, so I did not get the card. I consider myself lucky because secured credit cards can be a nightmare.

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Below is the summary of some of my trading activities this week.

AUDUSD

Primary Trend: Bearish

This week, the movement on this pair has been characterized by consolidation. The market doesn't look sexy at the present, and as such it's better to stay away from it until it becomes attractive.

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Nowadays, No one can deny the importance of a credit card. Every person prefers to keep it rather than carrying cash. The credit card companies are also facilitating their consumer by keeping all the records of the individual's transactions and sending bills. The worse economic conditions are also compelling them to use it for necessaries. But at the time of payment, they are unable to pay due to the shortage of funds. The financial institutions are also harassing the people for the payment. Due to all these problems, people are in severe mental stress. The Government has introduced some debt relief programs which are beneficial for all those who are suffering from debts. All these programs can help people to get rid of the debts in a short span of time and settle their dues. The below lines of this article will help you to understand that does debt settlement really makes financial sense?

Debt settlement is affordable as compared to bankruptcy and can bring up to sixty percent reduction in a very short period of time. Other benefit of this program is that a person is also eligible for the loan after paying the settled debt amount. All those who have credit card liability of ten thousand dollars or more can get benefit from this option. All you have to do is hire the negotiation firm. The expert of these firms will conduct the negotiation problem with your lender and make them agree to reduce the total outstanding amount and mange to get more than sixty percent reduction. The financial expert of these companies also realize the lender that your financial position is not good that is why, they should provide you more time to pay the remaining amount with the benefit of easy monthly installment. For all these services, they charge very affordable fees which you have to pay after the completion of the deal. The new laws have removed the fake settlement company from the market. If you hire the company that asks for fees in advance then it means that it is not a genuine one. So, you must not hire it.

One can easily understand after going through the above lines that debt settlement makes financial sense and people can easily get rid of their debts by availing it.本文出自 Mr.J ....
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Treasurer Wayne Swan has urged people to take their home loans from the big four banks and take them to smaller lenders with lower interest rates.

His comments were made as none of the big banks - the ANZ, Westpac, NAB or the Commonwealth - moved their rates despite the Reserve Bank lowering official rates on Monday.

The RBA handed borrowers their second cut in two months, dropping the official cash rate to 4.25 per cent.

The decision should bring savings of around $50 a month on a $300,000 mortgage if passed on to borrowers.

So far Bank of Queensland, Members Equity and the NSW Police Credit Union have announced they will pass the cut on, but the big four banks have remained silent.

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A college education today more often than not entails a huge amount of student loan debt. In some cases, multiple loans are required to cover the expenses of a good university education. Upon graduation, the challenge then becomes the urgent need to eliminate that debt in order to move on to other financial obligations like mortgages, car payments, etc.

One practical way to get rid of your debt is to consolidate your loans. Here are the basic things to know about consolidation of your loan:

What is educational loan consolidation? It is essentially combining multiple student loans to enable only one monthly payment as opposed to two or more. This is a great option that provides help for managing finances.

How does one qualify for loan consolidation? The law states that only Federal loans can be consolidated with other Federal loans. Private loan consolidation depends entirely on the individual lenders.

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BOSTON, MA--(Marketwire -11/30/11)- Magellan Jets, a leading aircraft charter broker, announces the launch of its Private Jet Search iPhone application for private jet bookings. For years, people have been able to search for commercial flights on a variety of websites, making travel that much more convenient and cost effective. For the reasonable price of $4.99, private jet travelers can download the app through iTunes. The app allows users to search, book and sign for a charter in a matter of minutes from the convenience of their iPhone or iPad anytime, anywhere. Magellan Jets recognizes the need for more flexibility and accessibility in the market of private jet travel and this app allows for instant quoting, linked to live market information and thousands of aircraft and airports worldwide.

The Private Jet Search app is truly a business tool which executives can take advantage of without needing any assistance in making their private travel arrangements. While this is the case, it is available for business and pleasure alike. Travelers can search both one way and round trip options based on their desired destination, departure/return date, aircraft option and passenger count.

Once this information is entered, the app uses real-time technology to pull up every aircraft available, along with the competitive pricing. This innovative search engine cuts the time it takes to search for aircraft availability, while adding the ease of portability and anytime access.

Due to the fact that this is an international app, there is a currency converter available to those who are flying outside of the U.S. High-resolution interior and exterior photos are provided for each aircraft as well, and may be viewed on the flight details page. The estimated flight time and any fuel stops are also shown, giving the client the full scope of what the trip will entail.

The Private Jet Search app also features a GPS- based search to help find the nearest airport. In addition, customers can view the trip leg through Google Maps. The application allows for personalized requests to be sent to Magellan Jets regarding the requested trip, which will be carried out by a dedicated Magellan Jets charter specialist, available 24/7/365.

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In forex, currency pairs work by relating their values against each other. Each pair is composed of a base currency and a quote currency. The base currency is the first among the pair which is the target currency that you wanted to buy. Meanwhile, the quote currency is the second among the pair which tells you how much of it do you need to buy the base currency or the first one. Using the USD to Euro conversion, a quote presented as USD/Euro=.067 simply means that you will need 0.067 Euros to be able to purchase one US dollar.

Working with Currency Trading Pairs

To be able to plot out your plan in the forex business, you will constantly need to consult your own currency pairs. Among the most popular trading pairs are the combinations of US dollars and Euros, US dollars and Japanese Yen, US Dollars and Swiss Franc. Most of the forex traders use US dollars as their quote currency since it is the most widely used currency in the world. The Euro, Swiss Franc, and the Japanese Yen are among the highest yielding and also most volatile base currencies in the trading game.

As a forex trader, it is your responsibility to keep track of currencies individually. In reality there really are no hard and fast rules about currency pairs. You are the one who gets to ultimately decide which of these pairs you plan to keep an eye on and develop. But it helps to have a separate track of these currencies individually so that if a raise occurs in each of them, you can easily form your pairs and make a sell or buy them at the soonest possible time. The thing about currency pairs is that they may not last as long as you would like them to. Sometimes, you need to make quick pair ups to keep ahead of the game.

Choosing the Best Currency Trading Pairs

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A trio of Nanaimo residents each received $3,500 B.C. Aboriginal Student Awards to further their post secondary education.

Jason McKee, attending Vancouver Island University, Catrina Webster, at the University of British Columbia, and Aileen Tuck, at the University of Victoria, were among 117 B.C. aboriginal students to receive $311,500 in grants from the Irving K. Barber British Columbia Scholarship Society.

For more information on the awards, please visit www.bcscholarship.ca/web or call 250-381-5532.本文出自 Mr.J ....
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