http://www.imf.org/external/np/sec/pr/2009/pr09266.htm

http://profit.ndtv.com/2009/07/24173441/California-Software–Aitken-S.html

?
It would seem to be a hugely contradictory and conflicting manoeuver for the owners of a foreign based conglomerate that operates on island to be writing policy statements on behalf of the IMF/World Bank as well as acting as Mission Chief for the country he has private interest in. Furthermore, what are you estimated balance of payments for current year based upon? I see a trajectory of decreasing external debt being manipulated against a formulae of increased private debt creation – how much is Aitken and Spence and its new offshoot CalSpence standing to profit from that in niche technology creation which is really just a interface of available programmes and why would Sri Lanka want to utilize a private venture for such work off island when this program was tied to a different type of government/private cooperation that does not make readily available details of our internal and external distributions and controls to public markets. Another matter that has not been revealed in your statement is the interest rate and terms of repayment. The country is wondering why full terms and the executor were not revealed before what amounts to loan stuffing.
Our commercial debt has greatly decreased in the current programme as has our external debt which you intend to raise considerably.
I would also like to see a statement where a special column is created for CEB and CPC balances as both are under construction loads that will correct on their own and give a irresponsible view of the current position as well as skew what future correction will be attributed by.
"The consolidated government balance includes the Ceylon Electricity Board and the Ceylon Petroleum Corporation"
I am also wondering how much of our debt load is created by Aitken-Spence and its affiliated ventures? Numerology in banking and a planned 5 year "recovery" is quite contadictory to both the past available data for privatisation and fully capitalisyic streams that rocked our country in prior years and the economic realities that without the "international financial meltdown", war at home and major utilities constuction that is nearing completions the economic policies of the country in 2006-2009 period have been quite positive. We would like to see the full terms of this loan package, Brian, as most of us believe in full ledger accounting with proper columnar adjustments much more than numerology.
How has this bond debt been spread out over the matrix?
"Staff estimates based on total stock outstanding of foreign exchange commercial debt plus nonresident purchase of rupee-denominated treasury bonds."
How much of our commercial debt is based on domestic load and how much on foreign/multinational load and what is the spread on F/MN debt? Final 2 questions what is the cost for this software development and is the 322.2M changing to 332.2M in Q4??? – that is a joke but this policy statement which seems PC and non-revelation of terms is a red flag.

http://www.imf.org/external/np/sec/pr/2009/pr09266.htm

There also seems to be a discrepancy on the amount of the loan – is the correct figure 2.4, 2.5 or 2.6 billion dollars? I know that there are other discrepancies in the Guardian piece in reference to the numbers in IDP camps – the 280K figure is incorrect and the last complete rolls calculated 250K. There continue to be hurdles to resettling such as huge weapons caches being discovered, continued random acts of terrorism and the fact that many villages and buildings were boobytrapped by LTTE in the last few months of the conflict, conditions at camps are continually improving and would have improved at a more rapid rate if it were not for the continual interjections of INGOs that are reticent to adequate toilets/shelter being provided.
35 more villages in Vavuniya are being resettled in the coming weeks totaling 3000 FAMILIES.

I think he’s a bigger con artist than numerologist.

Real Estate Commercial Loans

What is a Real Estate Commercial Loan?

A real estate commercial loan is a form of mortgage loan used to buy, renovate, or refinance commercial buildings or land zoned for commercial or mixed use.

How Do I Get a Commercial Loan For Real Estate?

You may want to be pre-qualified by a commercial mortgage broker who can find you the best terms and rates for your commercial real estate loan. Conduct a search for “real estate commercial loans”, “real estate commercial loan”, “commercial loan real estate” and you are sure to find and endless number of possibilities to choose from.

What Can I Use a Real Estate Commercial Loans For?

Real estate commercial loans can be used for purchasing land and making necessary improvements includuing grading, utilities, parking lots, and landscaping. These loans can also be used for the purchase, construction, or renovation of commercial buildings or land.

What Terms and Interest Rates and Fees Can I Expect From a Real Estate Commercial Loan?

Interest rates on commercial real estate loans are based on an increment above the current market rate for five-year and 10-year U.S. Treasury bonds. Maturities can be 10, 15, 20, or 30 years. Many commercial real estate loans require a bollon payment after 10 years. You may want to consider refinancing at that time or get a loan that does not require a balloon payment. Fees on commercial mortgage loans usually total approximately three 3% of the borrowed amount.

What Are the Qualifications For a Commercial Loan For Real Estate?

To qualify for a commercial real estate loan, you must have enough liquid assets to pay a down payment and closing costs. Down payments on a commercial real estate purchase can go as low as 3%. There is no down payment requirement for a commercial loan refinance.

Are There Loan Limits For a Real Estate Commercial Loan?

Loan limits on commercial real estate loans differ from lender to lender. They start as low as $50,000 and can go as high as $50-$100 million.

Where Can I Find a Real Estate Commercial Lender?

It’s relatively easy to find commercial lenders and commercial mortgage brokers online.       A good place to start looking for a commercial real estate lender is online. Do a search for: “real estate commercial lending”, “real estate commercial lenders”, “real estate commercial bank”

Are There Any Government Programs to Help Me Get a Real Estate Commercial Loan?

The U.S. Small Business Administration (SBA) works with lenders and non-profit corporations to provide commercial loans to small businesses through the CDC/504 Program.The CDC/504 Program provides small businesses with long-term, fixed-rate commercial loans for major assets, such as land and buildings. A Certified Development Company (CDC) is a nonprofit corporation set up to assist in the economic development of a particular communities. Each CDC covers a specific geographic area.

E. T. Hobbs
http://www.articlesbase.com/banking-articles/real-estate-commercial-loans-707856.html

10. which presidental role resulted from practice and custom rather than from constitutional authority?

A – commander in chief
B – chief executive
C – head of his political party
D – head of state

11. extending the right to vote in national elections to formerly enslaved african americans, women, and all citizens at least eighteen years old was accomplished through

A – constitutional amendments
B – congressional laws
C – presidential executive orders
D – supreme court decisions

12. the foreign policies of president james polk involving texas, california, and the oregon territory were all efforts to

A – remain neutral toward western territories
B – continue traditional american isolationism
C – weaken the monroe doctrine
D – fulfill the goal of manifest destiny

13. the declaration of sentiments, adopted at the seneca falls convention in 1848, was significant because it

A – promoted the idea of equal rights for women
B – demanded the immediate abolition of slavery
C – called for the prohibition of alcoholic beverages
D – asked government to restrict harmful business practices

14 – the reconstruction plans of president abraham lincoln and president andrew johnson included a provision for the

A – resumption of full participation in congress by southern states
B – long – term military occupation of the confederacy
C -payment of war reparations by southern states
D – harsh punishment of former confederate officials

15. passage of the homestead act and of legislation supporting the construction of transcontinental railroads demonstrated the federal government’s commitment to

A – limits on big business
B – settlement of western territories
C – conservation of natural resources
D – equality for all immigrants

16. which factor contributed the most to urbanization in the late 1800’s?

A – assimilation
B -industrialization
C – imperialism
D – nullification

17. in the late 1800’s, free and unlimited coinage of silver was supported by farmers primarily because they hoped this policy would

A – make foreign crop prices less competitive
B – allow farmers to grow a greater variety of crops
C – increase crop prices and make it easier to repay loans
D – bring about political equality between rural and urban residents

18. during the late 1800’s and early 1900’s, the term "robber baron" best defined a person who

A -controlled large tracts of western lands
B – used ruthless business tactics
C – stole from the rich to give to the poo
D -encouraged the conservation of raw materials.

THANK YOU VERY MUCH! =D

I think you better start Reading the Section , That’s a lot of Questions

Wells Fargo.

This is what’s actually in the Recovery Bill. http://wsbradio.com/blogs/jamie_dupree/2009/02/spending-in-the-stimulus-bill.html

$24 million for construction and repairs to US Department of Agriculture facilities
$22.5 million for the USDA Inspector General for oversight on the stimulus bill
$176 million for deferred maintenance on US Agricultural Research Service facilities
$50 million to modernize and maintain the IT system of the Farm Service Agency
$290 million for "Watershed and Flood Prevention Operations"
$50 million for "Wastershed Rehabiliation Program"
$1 billion for rural housing direct loans
$10.4 billion for rural housing guaranteed loans
$2.5 billion for rural distance learning, telemedicine and broadband
$100 million in grants for National School Lunch Program equipment assistance
$150 million in agricultural commodity assistance
$1 billion for the Census Bureau
$4.7 billion for "Broadband Technology Opportunities Program" which includes $350 million for the
development of a "broadband inventory map"
$650 million for Digital TV converter box program
$220 million for Scientific research at the National Institute of Standards and Technology
$360 million for Construction of scientific research facilities
$230 million in extra budget money for the National Oceanic and Atmospheric Administration
$600 million for NOAA "Procurement, Acquisition and Construction"
$225 million in grants for programs to combat violence against women
$2 billion in state and local law enforcement assistance grants
$225 million in grants to improve the criminal justice system
$225 million in law enforcement assistance to Indian Tribes
$100 million for the "office for Victims of Crime"
$125 million in law enforcement assistance for rural areas
$50 million in state and local grants to combat internet crime against kids
$1 billion for the COPS program
$400 million in operations budget money for NASA
$150 million for "Aeronautics" at NASA
$400 million for "Exploration" at NASA
$2.5 billion for research at the National Science Foundation
$100 million for NSF "Education and Human Resources"
$400 million for NSF "Major Research Equipment and Facilities Construction"
$1.4 billion in Army "Operation and Maintenance"
$657 million in Navy "Operation and Maintenance"
$113 million in Marine Corps "Operation and Maintenance"
$1.09 billion for Air Force "Operation and Maintenance"
$98 million for Army Reserve "Operation and Maintenance"
$55 million for Navy Reserve "Operation and Maintenance"
$39 million in Marine Corps Reserve "Operation and Maintenance"
$13 million for Air Force Reserve "Operation and Maintenance"
$266 million for Army National Guard "Operation and Maintenance"
$25 million for Air National Guard "Operation and Maintenance"
$75 million each for Army, Navy, Air Force "Research, Development, Test and Evaluation"
$400 million for "Defense Health Program"
$2 billion for Army Corps of Engineers construction
$375 million for Army Corps projects on the Mississippi and tributaries
$2.07 billion for Army Corps of Engineers "Operation and Maintenance"
$100 million for "Formerly Utilized Sites Remedial Action Program"
$1 billion for Interior Department "Water and Related Resources"
$50 million for Central Utah Project Completion Act
$50 million for California Bay-Delta Restoration Act
$10 million to inspect canals in urban areas
$16.8 billion for Energy Department, "Energy Efficiency and Renewable Energy"
$5 billion of that goes for "Weatherization Assistance"
$4.5 billion to improve the nation’s electricity grid
$3.4 billion for "Fossil Energy Research and Development"
$483 million for "Non-Defense Environmental Cleanup"
$390 million for "Uranium Enrichment Decontamination and Decommissioning Fund"
$1.6 billion for "Science"
$6 billion "Innovative Technology Loan Guarantee Program"
$5.12 billion for "Defense Environmental Cleanup"
$7 million for oversight of "Making Work Pay" tax credits and payments in this bill
$80 million to implement health insurance tax credit plan
$5.5 billion for the "Federal Buildings Fund"
$300 million to buy energy efficient vehicles for the federal government
$200 million to consolidate the Department of Homeland Security Headquarters
$100 million for hi tech border security technology along the Mexican border
$420 million for construction of US Customs land border ports of entry
$20 million for tactical communications equipment for immigration enforcement
$1 billion for Aviation Security (explosive detection equipment)
$98 million for improvements to Coast Guard shore facilities
$142 million for "Alteration of Bridges"
$150 million in FEMA Public Transportation Security Assistance grants
$150 million for Port Security Grants
$210 million in grants to upgrade non-Federal fire stations
$125 million for Bureau of Land Management activities
$180 million for Bureau of Land Management construction
$15 million for Wildland Fire
Romare, obviously not all economist think it will stimulate the economy. Take a look at http://www.cato.org/special/stimulus09/cato_stimulus.pdf where 200 economists sign a full-page ad saying that government spending is not the way to improve the economy.

$22.5 million for the USDA Inspector General for oversight on the stimulus bill
$176 million for deferred maintenance on US Agricultural Research Service facilities
$290 million for "Watershed and Flood Prevention Operations"
$350 million for the
development of a "broadband inventory
$400 million in operations budget money for NASA
$150 million for "Aeronautics" at NASA
$400 million for "Exploration" at NASA
$2.5 billion for research at the National Science Foundation
$100 million for NSF "Education and Human Resources"
$400 million for NSF "Major Research Equipment and Facilities Construction"
$10 million to inspect canals in urban areas
$16.8 billion for Energy Department, "Energy Efficiency and Renewable Energy"
$5 billion of that goes for "Weatherization Assistance"
$300 million to buy energy efficient vehicles for the federal government
$200 million to consolidate the Department of Homeland Security Headquarters
$100 million for hi tech border security technology along the Mexican border
$420 million for construction of US Customs land border ports of entry
$20 million for tactical communications equipment for immigration enforcement
$1 billion for Aviation Security (explosive detection equipment)
$98 million for improvements to Coast Guard shore facilities
$142 million for "Alteration of Bridges"
$150 million in FEMA Public Transportation Security Assistance grants
$150 million for Port Security Grants
$210 million in grants to upgrade non-Federal fire stations
$125 million for Bureau of Land Management activities
$180 million for Bureau of Land Management construction
$15 million for Wildland Fire
$650 million for Digital TV converter box program
$220 million for Scientific research at the National Institute of Standards and Technology
$100 million for the "office for Victims of Crime"
$125 million in law enforcement assistance for rural areas

waste most of it

Limbaugh vs. Reality

Bogus Economics

LIMBAUGH: On California contractor C.C. Myers completing repairs 74 days early on the earthquake-damaged Santa Monica Freeway: "There was one key element that made this happen. One key thing: The governor of California declared the [freeway] a disaster area and by so doing eliminated the need for competitive bids…. Government got the hell out of the way." (TV show, 4/13/94) "They gave this guy [Myers] the job without having to go through the rigmarole…of giving 25 percent of the job to a minority-owned business and 25 percent to a woman." (TV show, 4/15/94)

REALITY: There was competitive bidding: Myers beat four other contractors for the job. Affirmative action rules applied: At least 40 percent of the subcontracts went to minority or women-owned firms. Far from getting out of the way, dozens of state employees were on the job 24 hours a day. Furthermore, the federal government picked up the tab for the whole job (L.A. Times, 5/1/94).

LIMBAUGH: "Banks take the risks in issuing student loans and they are entitled to the profits." (Radio show, quoted in FRQ, Summer/93)

REALITY: Banks take no risks in issuing student loans, which are federally insured.

LIMBAUGH: "Don’t let the liberals deceive you into believing that a decade of sustained growth without inflation in America [in the '80s] resulted in a bigger gap between the haves and the have-nots. Figures compiled by the Congressional Budget Office dispel that myth." (Ought to Be, p. 70)

REALITY: CBO figures do nothing of the sort. Its numbers for after-tax incomes show that in 1980, the richest fifth of our country had eight times the income of the poorest fifth. By 1989, the ratio was more than 20 to one.

LIMBAUGH: Comparing the 1950s with the present: "And I might point out that poverty and economic disparities between the lower and upper classes were greater during the former period." (Told You So, p. 84)

REALITY: Income inequality, as measured by the U.S. Census Bureau, fell from the 1940s to the late 1960s, and then began rising. Inequality surpassed the 1950 level in 1982 and rose steadily to all-time highs in 1992. (Census Bureau’s "Money Income of Households, Families and Persons in the United States")

LIMBAUGH: "Oh, how they relished blaming Reagan administration policies, including the mythical reductions in HUD’s budget for public housing, for creating all of the homeless! Budget cuts? There were no budget cuts! The budget figures show that actual construction of public housing increased during the Reagan years." (Ought to Be, p. 242-243)

REALITY: In 1980, 20,900 low-income public housing units were under construction; in 1988, 9,700, a decline of 54 percent ;Statistical Abstracts of the U.S).In terms of 1993 dollars, the HUD budget for the construction of new public housing was slashed from $6.3 billion in 1980 to $683 million in 1988. "We’re getting out of the housing business. Period," a Reagan HUD official declared in 1985.

LIMBAUGH: "The poorest people in America are better off than the mainstream families of Europe." (Radio show, quoted in FRQ, Spring/93)

REALITY: Huh? The average cash income of the poorest 20 percent of Americans is $5,226; the average cash income of four major European nations–Germany, France, United Kingdom and Italy–is $19,708.

LIMBAUGH: "There’s no such thing as an implied contract." (Radio show, quoted in FRQ, Spring/93)

REALITY: Every first year law student knows there is.

LIMBAUGH: "Ladies and gentlemen, we now know why there is this institutional opposition to low tax rates in the liberal wing of the Democratic Party. It’s because [low tax rates] are biblical in nature and in root. When you can trace the lowering of tax rates on grain from 90 percent to 20 percent giving seven fat years during the days of Pharaoh in Egypt, why then you are tracing the roots of lower taxes and rising prosperity to religion…. You can trace individual prosperity, economic growth back to the Bible, the Old Testament. Isn’t it amazing?" (Radio show, 6/28/93)

REALITY: Amazingly wrong. Genesis 41 is about the wisdom of instituting taxes, not cutting them. After Pharaoh had a dream that prophesied seven fat years to be followed by seven lean years, Joseph advised him to "appoint officers over the land, and take up the fifth part of the land of Egypt in the seven plenteous years…and lay up corn under the hands of Pharaoh." In other words, a 20 percent tax on the grain harvest would put aside food for use during the famine. Pharaoh took Joseph’s advice, and Egypt avoided hunger during the famine.

Weird Science

LIMBAUGH: "It has not been proven that nicotine is addictive, the same with cigarettes causing emphysema [and other diseases]." (Radio show, 4/29/94)

REALITY: Nicotine’s addictiveness has been reported in medical literature since the turn of the century. Surgeon General C. Everett Koop’s 1988 report on nicotine addiction left no doubts on the subject; "Today the scientific base linking smoking to a number of chronic diseases is overwhelming, with a total of 50,000 studies from dozens of countries," states Encyclopedia Britannica’s 1987 "Medical and Health Annual."

LIMBAUGH: "We closed down a whole town–Times Beach, Mo.–over the threat of dioxin. We now know there was no reason to do that. Dioxin at those levels isn’t harmful." (Ought to Be, p. 163)

REALITY: "The hypothesis that low exposures [to dioxin] are entirely safe for humans is distinctly less tenable now than before," editorialized the New England Journal of Medicine after publishing a study (1/24/91) on cancer mortality and dioxin. In 1993, after Limbaugh’s book was written, a study of residents in Seveso, Italy had increased cancer rates after being exposed to dioxin, The EPA’s director of environmental toxicology said this study removed one of the last remaining doubts about dioxin’s deadly effects (AP, 8/29/93).

LIMBAUGH: "The worst of all of this is the lie that condoms really protect against AIDS. The condom failure rate can be as high as 20 percent. Would you get on a plane — or put your children on a plane — if one of five passengers would be killed on the flight? Well, the statistic holds for condoms, folks." (Ought to Be, p. 135)

REALITY: A one in five AIDS risk for condom users? Not true, according to Dr. Joseph Kelaghan, who evaluates contraceptives for the National Institutes of Health. "There is substantive evidence that condoms prevent transmission if used consistently and properly," he said. He pointed to a nearly two-year study of couples in which one partner was HIV-positive. Among the 123 couples who used condoms regularly, there wasn’t a single new infection (AP, 8/29/93).

LIMBAUGH: "Most Canadian physicians who are themselves in need of surgery, for example, scurry across the border to get it done right: the American way. They have found, through experience, that state medical care is too expensive, too slow and inefficient, and, most important, it doesn’t provide adequate care for most people." (Told You So, p. 153)

REALITY: "Mr. Limbaugh’s claim simply isn’t true," says Dr. Hugh Scully, chair of the Canadian Medical Association’s Council on Healing and Finance. "The vast majority of Canadians, including physicians, receive their care here in Canada. Those few Canadians who receive health care in the U.S. most often do because they have winter homes in the States–like Arizona and Florida–and have emergent health problems there." Medical care in Canada is hardly "too expensive"; it’s provided free and covered by taxes.

Yeah, Limbaugh is a phony, a prescription drug addict and enjoys going to orgies in the Dominican Republic.

Many neocons are kinky and obsessive. The moral and religious hypocrisy is absolutely typical — especially in the South.

417K is at 5.25% and 100K is a floater for 2 years (currently at 3.0%).
I can refi the $417K at 4.875% and leave the construction loan in place.
Or I can role it all into a jumbo at 6%.
Any thoughts? Is 6% for a jumbo to good to pass up? Is it worth to refi at 4.875%? I have no plans to leave the house within the next 10 years. Thanks in advance!!!

if you can pay off the $100 in 2 years then go for the 4.875% loan if not then combine them and move on

Online business loans definitely fulfill your business financial requirements but offer the financial help instantly! Your business cash requirements can now be easily solved on time. Now you need not fulfill various formalities and waste time in visiting banks just to apply for loans. The online facility allows you to easily access wide information and apply quickly without wasting much time.

The online business loans are approved really fast the reason being that the processing of the loan application is done online. Immediately after filling up the form; processing starts quickly. The process is hassle free and convenient.

Online business loans can be acquired to solve any business related need. You may get finance for a new venture or for the expansion of your current business. You can easily incur various expenses like purchase plots, buying raw material, office construction, purchasing assets and paying wages etc.

Online business loans can be applied in two forms secured and unsecured forms. Through secured loans you can borrow a substantial amount but will have to place your asset as collateral. You can place your car, property, stock, shares and valuable documents as security. If you can not fulfill the collateral clause then you can opt for unsecured option. The amount offered will be small and the repayment term is also short. You can borrow anything ranging from £50,000-£1,000,000 for a repayment that varies from 5-25 years.

Bad creditors can also apply for online business loans. There is a provision for poor creditors as well. Those with bad credit like arrears, defaults, late payments, CCJs, IVA and bankruptcy can easily apply for these loans for business requirements.

There are numerous lenders available online offering online business loans. Due to the stiff market competition they are offering attractive packages and deal that suit a borrower’s specific requirements. You can easily crack a deal with lower rates of interest if you scout around well.

Online business loans help you to keep the cash flow intact and fulfill financial obligations easily. Now get the desired financial help and let your business flourish.

Michael.t.brian
http://www.articlesbase.com/loans-articles/online-business-loans-for-smooth-financial-flow-698638.html

I am trying to find out more information about the construction to permanent loan, and what the pros and cons are for people. I would like to hear from people that have done these types of loans and people who know all about them, thanks!

When you are building a home you take out a construction loan while it is being built. They usually at interest only and don’t require a payment until construction is complete. They are shorter loans with usually higher interest. Your permanent loan willl take over once your construction is complete.

Things to think about are: your construction will probably take longer than you plan, and you while probably go over budget. Once your construction is complete many places will require an certificate of occupancy before the bank wil fiance the permanent loan. Construction loans are expensive so you want to concentrate on getting the home livable. You want out of you construction loan and into your permanent loan as quick as possible. Once you get the home livable and the permanent loan in place than concentrate on things like landscaping, or other finishing work done.

Business loans for woman are offered to those women aspiring to establish their own business entity. Now you can easily acquire adequate financial help to step ahead on your own. With the help of business loans for woman you can successfully own and run a business to fulfill your dreams and needs. With the funds you can easily manage the business cash flow and related needs easily.

Business loans for woman business loans are offered in two forms secured and unsecured. Secured business loans for woman can be acquired by pledging your valuable asset. You can offer to pledge your car, property, furniture and valuable documents. Pledging of security enables you to easily borrow a substantial loan amount which depends on the value of collateral. The repayment term is long and flexible which can be easily accomplished.

If you can not comply with the collateral clause or don’t wish to pledge anything then unsecured business loans for woman will be the ideal one for you. You can borrow anything as per your financial requirements.

Facing credit problems? Still you can apply for business loans for woman. Bad creditors with arrears, late payments, defaults, IVA, CCJs and bankruptcy are all acceptable and eligible. You will be charged with slightly higher rates because of your unfavorable credit records.

Business loans for Woman can be applied through banks and online. The online application is very convenient as to apply you just have to fill a simple online form. The processing starts immediately and you can even search for a lower rate and lucrative deals.

Funds advanced through business loans for woman can be used for starting up your new business, investing in new ventures, for expansion of existing business, purchasing of assets, construction of office, buying raw material, paying off wages or salaries and other various other business expenses.

Carmen Cortez
http://www.articlesbase.com/loans-articles/business-loans-for-woman-for-woman-business-entrepreneurs-736437.html