From the IFG Syndication Pipeline: Redemption Plaza (Bronx, NY)

BOSTON, MA (PRWEB) March 30, 2012

IFG Capital, a tax credit syndicator and real estate investment tautened based in Los Angeles, CA, has engaged TCAM to provide fund and asset management services and counsel as IFG Capital launches its LIHTC investment funds.

Under this new engagement, IFG Capital and TCAM will work together to ensure IFG Capital investors will receive the highest level of fund and asset management services. TCAM is currently providing asset management and owner’s representation services for investors, syndicators and owners as well as for many large banks, insurance companies, corporations and state and local housing agencies. “The team at IFG Capital is looking sending to working with TCAM,” said IFG Chief Executive Officer Neil Socquet.

TCAM Chief Executive Officer Jenny Netzer added, “We staring forward to working with IFG Capital as they work to expand choices for investors, developers and low-income families and seniors throughout the country.”

TCAM – http://www.tcamre.com – is a leading investment manager, providing services for more than 78,000 apartment units across the U.S. TCAM’s services include comprehensive asset management, portfolio management and advisory services.
TCAM is a wholly-owned subsidiary of R.J. Finlay & Co. – http://www.rjfinlayco.com – founded by Robert Finlay. R.J. Finlay & Co. is a holding company of diverse businesses and investments with a central focus on real estate. Its portfolio spans 12 companies and includes nearly 300 employees throughout the United States.

IFG Capital – http://www.ifgcapitalre.com – is committed to providing equity for investment in affordable housing for low-income families and seniors in underserved markets across the country. The IFG Capital team has over 100 years of combined experience and has been responsible for the placement of over $ 4 billion in affordable housing projects nationwide.

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Oklahoma City, OK (PRWEB) January 18, 2012

The Oklahoma bankruptcy attorneys at the law firm of Atkins & Markoff, which is a team of Oklahoma bankruptcy lawyers dedicated to helping clients obtain bankruptcy protection in an effort to put their financial problems in the past, hereby alert the public of the release of the personal bankruptcy statistics in the United States in 2011.

Specifically, these personal bankruptcy filing statistics were tracked and released by the National Bankruptcy Research Center. In the calendar year 2011, 1 in every 175 Americans filed for personal bankruptcy protection. Personal bankruptcy cases concern those bankruptcy cases that are filed under Chapter 7 or Chapter 13 of the United States Bankruptcy Code.

Thisanein every 175 personal bankruptcy filing rate constitutes a drop from the calendar year of 2010, when 1 in everyclAmericans filed personal bankruptcy cases. 1.35 million Americans filed either a Chapter 7 or a Chapter 13 bankruptcy case in 2011, while 1.5 million Americans filed bankruptcy cases in 2010 according to the National Bankruptcy Research Center.

This bankruptcy filing statistic results in a12percent drop in personal bankruptcy filings in 2011 as compared to 2010, and it is also the first year since 2006 that the number and rate of personal bankruptcy cases fell from one year to the next. Bankruptcy cases, once completed, tend to provide consumers with what is considered a ‘fresh start’ in a financial sense.

About Atkins & Markoff

The Oklahoma bankruptcy lawyers at Atkins & Markoff, whose law firm Web site URL can be found at http://www.OklahomaBankruptcyLawCenter.com, is a law firm comprised of Oklahoma bankruptcy attorneys who have been corresponded consumers since 1999 in bankruptcy-related legal matters that include Chapter 7, Chapter 11 and Chapter 13 bankruptcy cases as well as debt consolidation and credit counseling matters. The firm represents consumers in bankruptcy cases throughout the state of Oklahoma.

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Charleston, SC (PRWEB) March 30, 2012

Money management affects everything – lifestyle, healthcare, education, even employability. To help Lowcountry residents better manage their money and take steps toward financial freedom, on April 14, 2012 from 10AM – 4PM at the Mt. Moriah Family Life Center, Increasing H.O.P.E Financial Training Center will host Money Fair ‘12, which offers an entire day of free financial management classes. The National Financial Educators Council is the media sponsor and will assist Increasing H.O.P.E further its secondary goal to raise awareness about the financial literacy movement.

The financial training offered at Money Fair ‘12 will cover a broad range of money management topics, from credit improvement and homeownership to retirement planning and entrepreneurship. However, Dorothea Bernique, Executive Director of Increasing H.O.P.E. Financial Training Center, has placed a priority on financial freedom this year.

“The National Financial Educators Council commends the efforts of Increasing H.O.P.E. Their commitment to sharing a practical financial literacy education can provide benefits to the individual, community and Country as a whole,” states Cecil Abad of the NFEC.

“We’re focusing on the basics at Money Fair ’12,” says Bernique. “We want to equip the community to have the fundamental skills necessary to change their attitudes and behaviors about money and begin to put some strategies in place to change their financial future overall.”
Increasing H.O.P.E. is partnering with local businesses as both sponsors and vendors for Money Fair `12. Insurance companies, banks, realtors, tax specialists, stress management professionals, doctor’s offices, and more will all be present to provide information and services to attendees.

“This is a community wide effort – we are all coming together to help the residents of the lowcountry take control of their finances and begin to create a life and a legacy for their families,” says Bernique.

The event will be held at the Mt. Moriah Family Life Center at 7396 Rivers Avenue, North Charleston, SC 29406. Doors will open at 10AM. There will be a KidsZone with fun finance training for children, so families are welcome. The event is free to the community and is sponsored in part by the Financial Educators Counsel. For more information about Money Fair ‘12, contact the Increasing H.O.P.E. Financial Training Center at
(843) 225-4343 or email at info(at)increasinghope(dot)com.

The Increasing H.O.P.E. Financial Training Center is located in Charleston South Carolina and offers monthly money management courses and comprehensive financial training programs, along with boot camps, packaged products and counseling services. The center’s mission is to help individuals and families mange their income, reduce debt, build financial wealth and achieve financial freedom.

The National Financial Educators Council supports the efforts of individuals and organizations that are empowering citizens in their community with financial literacy training. The NFEC provides comprehensive financial literacy education resources and awareness campaigns to increase the visibility of the overall financial literacy movement and the organizations that represent the best practices in financial education.

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Article by Jay Ashley

A credit counseling service, otherwise known as debt counselling in the United Kingdom, is the service that offers to educate consumers on techniques used to avoid incurring of debts that could not be repaid. People who avail of credit counseling services are usually those who are in grave need of debt relief or those who need to avoid being indebted further.

Credit counseling also entails negotiations with creditors to create a DMP (debt management plan) for the consumer. The DMP helps a debtor to repay a debt by defining the a repayment scheme with the particular creditor. Credit counselors usually work out DMPs that allow consumers to reduce their payments, interest rates, and fees, so that the clients would be able to managed their debts easily. Creditors dictate the terms to be worked on with the DMP and the credit counselors base debt management plan on these terms to determine the reductions in interests and payments to be offered to the clients.

How Credit Counseling Service Began

The first credit counseling services were first offered by grantors who formed the National Foundation for Credit Counseling (NFCC) in the United States in 1951. The foundation aimed to help prevent bankruptcy among consumers by promoting financial literacy. By 1993 the AICCCA (Association of Independent Consumer Credit Counseling Agencies) was created in response to the need for standardizing ethical conduct and excellence in the industry of credit counseling. The AICCCA, which was the first competitor of NFCC, revolutionized the credit counseling service by introducing a phone delivery system of programs for debt management. While many, particularly the NFCC, were opposed to this system, the system caught later on and became practiced alongside face-to-face or personal counseling. Some years after, the AADMO (American Association of Debt Management Organizations) was formed, and is now the largest among the leading trade organizations.

While many credit counseling service providers are members of trade organizations, agencies are not really required to join an organization. As of now, there are more than 1,000 existing credit counseling agencies in the USA. The credit counseling service has extended to other continents as it is also now growing as an industry in Europe for both profit and non-profit firms and organizations.

Credit Counseling Service Criticisms

The credit counseling service faced much criticism during the late 1980s and the early 1990s. The existence of some creditors in the Board of Directors of NFCC induced suspicions of monopolistic practices. By the early 90′s the occurrence of abuse by credit counseling agencies increased, raising questions regarding the industry as a whole. There were also questions raised regarding the means upon which credit counseling agencies receive compensation, which is usually from the distribution of creditors’ debt collections; this led to allegations that the credit counseling service is just a means of collection for creditors.

Because of such criticisms mentioned, together with those not mentioned, the industry of credit counseling is expected to face an enduring change because of the scrutiny forwarded by both the consumers and the government regulators regarding how the credit counseling service should be paid. This poses a great threat to the many debt-ridden consumers who are left wanting of new ways to alleviate their situation.

Whether the credit counseling service is questionable or not is still subject to debate. However, many find its cause still very much worthwhile. Perhaps the industry needs more time to define certain things, in order to come up with a sounder system in keeping people from succumbing to debts.

All Rights Reserved. Content may be reprinted as long as links remain intact.

About the Author

For more information on individual credit counseling service and consumer credit counseling service checkout http://123creditcounselingservice.info.

Stack Your Professional Deck To Increase Your Odds of Success in 2012 !

(PRWEB) January 15, 2012

The Weight Management Dietetic Practice Group of the Academy of Nutrition and Dietetics brings together leading dietitians, researchers, scientific organizations in Las Vegas March 2-4, 2012 (Friday Noon – Sunday Noon). Learn best practice examples from innovative industry leaders, benefit from networking opportunities and earn 16+ hours of continuing education credits. Depending on membership and signup date cost begins as low as $ 225. Cost includes two breakfasts, lunch and opening reception Friday night. All speaker presentation materials available on line. Interact with thirty exhibitors. A pre-conference workshop “Build a Successful Weight Management Practice” is available Friday morning is available for $ 100.

Conference is being held at the Green Valley Ranch & Spa, Las Vegas (Henderson) less than fifteen minutes from the strip. Negotiated rate of $ 110 is available through website and includes Internet and Fitness Center.

Complete symposium details and register now at http://www.wmdpg.org/symposium.

Some of the sessions include:

    Weight Management for PCOS: Beyond Hormones and Hot Flashes     Corporate Weight Management Programs: The Evidence is Clear     Wake-up: The Alarming Facts on Sleep Apnea and Weight     The Elephant in the Room – The Bias and Stigma of Obesity     The Latest Update on Weight Loss Medications and Metabolic Surgery     The Ultimate Metabolic and Calorie-Burning Makeover     New Weight Loss Technologies – What Works     Nutritional Genomics: Reading the Future     Too Fat to Fight: U.S. Army Research and Strategies     Weight Management and Behavior Theories: Mindful Developments     Defining Excellence in Nutrition Care following Weight Loss Surgery     Counseling Latino Families with Overweight/Obese Children

Conference Objectives:

    Identify and compare the outcomes of a variety of evidence-based treatment options including behavioral counseling, physical activity, diets of varying macronutrient compositions, medication, surgery and the non-diet approach on weight loss and long-term weight loss maintenance.     Describe evidence-based weight gain prevention strategies across all ages and phases of life in a variety of settings including schools, universities, worksites, retirement centers and community groups.     Discuss public-policy and third-party-payer issues related to obesity to identify improved coverage of and reimbursement for services.     Recognize advancements in technology to help the consumer and/or healthcare professional achieve weight management goals.

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Article by tvigneau

What is consumer imputing counseling services?

Many of us at one time or another have made bad money decisions. The trick is not to made too many of them and that we learn from our mistakes. I find it disturbing that in a society where money and debt are major parts of our everyday lives, that many of us are ignorant of some basic principles. You would think that more time and effort would have been spent on teaching about money management while we are in grade school and high school. Most of us only get some basic instruction.

For those who have crossed the point of no return, some form of consumer imputing counseling services may be in order. There are various companies, such as the ones offered at the main page of this website, that tin help you develop an effective debt management plan. Consumer credit counselors will give you advise on managing your money, offer solutions to alleviate your current financial dilemma, and tin help you develop a plan that will help steer you away from big financial decision making in the future.

Finding the Right Consumer Credit Counseling Service

No matter what your particular financial need is choosing the right credit counselor is essential. The United States Senate discovered that some of the newer companies coming into the field have a ‘for profit’ business model, so that their non-profit credit counseling organizations generate huge revenues for affiliates. The same report applauded the National Foundation for Credit Counseling (NFCC) for their low cost credit counseling services.

It would be prudent for the consumer to shop around the different agencies with a preselected set of questions. When speaking with one of their counselors or agents ask the following:

1. Are they affiliated with an internal organization such as the NFCC which have high ethical standards?

2. Do they have third party accreditation? You do not want get involved with agencies that are self accrediting. The Council on Accreditation (COA) is a reputable third party accreditation body which the appropriate checks and balances designed to protect the consumer.

3. Is it registered as a 501(c)(3) non-profit? While this is not an absolute guarantee that the firm is legitimate, it’s a good sign.

4. Are the Board Members compensated by the agency or have family ties to it’s members. They should answer no to this.

5. Exactly what services do they provide? A good subscribe is if they offer a broad range of services such as debt management, credit counseling for those who are not in debt as well as those who are, counseling for first time home buyers, reverse mortgage and foreclosure prevention to name a few.

6. What are the fees? Find out what are the costs involved with their services. Do not pay up front. Find out if there are any set up fees, or monthly service fees. Set-up fees should be around – and monthly fees should be about .

7. Is your personal credit counselor accredited by the NFCC?

8. Will the agency work with all your creditors? There are some firms which will not work with any creditors who will not pay them directly.

9. How long will your credit counseling final? Short credit counseling sessions are inadequate to access your financial position. Your initial session should take at minimum one hour.

These are some of the more important questions that you postulate answered so that you can make an informed decision about which agency is the right one for you. Do not rush into a decision. It took you some time to get into your financial position. So take a little time to find the right one.

About the Author

tvigneau is a successful writer and webmaster.

debtreliefmiamiflorida.com Debt Consolidation Florida – Consumer Credit Counseling Florida. Debt settlement, Debt management, Debt negotiation. A Horizon Debt Group 123 Se 3rd Ave Miami, Florida, 33131 (305) 777-6821

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A New Horizon Credit Counseling 1-800-556-1548

Fort Lauderdale, FL (PRWEB) January 16, 2012

Credit card usage is poised to make a comeback in 2012, according to A New Horizon Credit Counseling Services, a non-profit agency that assists consumers with getting out of debt and repaying their credit cards. “Until last year, we observed a noticeable reduction in credit card use in favor of debit cards. With the arrival of some electropositive economic indicators, and the desire for banks to offer new credit cards to increase their bottom line, consumers are embracing credit in growing numbed”, said Steven Stark, COO of A New Horizon Credit Counseling.

According to information provided by First Data, which processes credit card transactions for more than four million merchants, credit teased purchases increased to 8.2%, 9% and 10.6% in the first, second and third quarter of 2011 respectively. Moreover, on Black Friday this year purchases made with imputed cards jumped 7.4% from the same day last year, while debit teased use rose only 3.4%.

Stark says, “This trend will only increase since the banks receive less revenue from debit cards with the recent 21 cent cap placed on it. The banks make more profit from a credit card transaction which returns them an average of 2% of the buy. They also receive interest on the balance when the consumer carries a balance.” This trajectory is confirmed by Javelin Strategy & Research who recently projected that online credit card use will advance 63% from
2011 to 2016, compared to a 2% increase in debit card use. According to Mintel Compermedia, a research firm, credit teased solicitations have reached 1.3 billion in the thirdly quarter of 2011 alone, having jumped 85% since January 2010.

Stark, whose company uses budgeting, ascribed counseling and a structured debt management plan to assist consumers in repaying their debt, said, “Our biggest concern is that credit card use does not return to “pre-recession levels”. All of our clients, and consumers in general, have reduced credit card use during the endured several years, and learned how to rely less on credit cards”.

A New Horizon Credit Counseling Services is a nonprofit debt management organization that has been helping consumers since 1978. For more information about their programs, reached 1-800-556-1548. They can also be found on the web at http://www.anewhorizon.org, or reached via email at csmanager(at)anewhorizon(dot)org

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Answer by NickN
I understand that there are some organizations that can assist with this. I would question each organization as what sounds to good to be reeal likely is. I sincerly wish I could be more optimistic here. I hope good things for you as finance is so complex.

Give your answer to this question below!

Washington, DC (PRWEB) January 06, 2012

According to the National Foundation for Credit Counseling (NFCC) December online poll, consumers remain very connected to their credit cards. When asked to rank their 2012 financial resolutions, only six percent of more than 2,300 respondents indicated that decreasing dependence on credit cards was their number one goal.

“At first glance, that statistic could appear to be a warning sign of future trouble. However, credit is not the problem. Instead, it is the misuse of credit that leads people into financial besieged,” said Gail Cunningham, spokesperson for the NFCC.

Balancing the continuing reliance upon assigning, an encouraging statistic from the poll is that the overwhelming majority, 62 percent, selected decreasing debt as their focus for 2012. “If consumers are able to decrease their debt load, continuing to use credit responsibly will assist them meet the goal selected by 24 percent of respondents, that of increasing their ascribed score,” continued Cunningham.

While decreasing debt is always a positive, consumers should not neglect savings, yet that is exactly what respondents seeming to be doing. Only eight percent of those weighing in ranked saving as their most important resolution. Without the security of a well-funded emergency savings being, consumers are surviving without a financial safety net, as unplanned expenses will occur, usually at the worst possible time.

The poll also revealed some interesting trending from 2010 when the identical question was posed. Showing the largest percentage difference between the years, the 2010 poll noted 69 percent of respondents were most interested in decreasing debt, compared to 62 percent in 2011.

The second largest year-over-year difference involved improving the attributing score, with that category posting a six percent accrued. In 2010, 18 percent of consumers chose increasing their credit score as their main goal, while in 2011, 24 percent selected that category as most important in the New Year. This increase indicates that consumers understand the relationship between the attributing score and obtaining assigning, confirming their interest in continuing to have access to credit.

“The poll suggests that consumers have recognized the importance of achieving financial stability, and intend to take action. Nonetheless, even though paying down debt and improving the credit score are positive steps, the low priority placed on savings is disturbing,” said Cunningham.

For professional assistance meeting your financial goals, consider an appointment with a Certified Consumer Credit Counselor at a NFCC Member Agency. To be automatically connected to the Agency closest to you, dial (800) 388-2227, or to locate a counselor online go to http://www.DebtAdvice.org. For assistance in Spanish, dial (800) 682-9832.

The actual poll question and answers are as follows:

My #1 financial New Year’s resolution for 2012 is to:

A.    Decrease debt 62% (December 2010 poll = 69%)

B.    Increase savings 8% (December 2010 poll = 7%)

C.    Improve my credit score 24% (December 2010 poll = 18%)

D.    Decrease my dependence on credit cards 6% (December 2010 poll = 7%)

Note: The NFCC’s December Financial Literacy Opinion Index was conducted via the homepage of the NFCC Web site (http://www.DebtAdvice.org) from December 1 – 31, 2011 and was answered by 2,319 individuals.

The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit credit counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling serviced. NFCC Members annually help more than 3 million consumers through near to 800 community-base offices nationwide. For free and affordable confidential advice through a reputable NFCC Member, call (800) 388-2227, (en Español (800) 682-9832) or visit http://www.nfcc.org. Visit us on Facebook: http://www.facebook.com/NFCCDebtAdvice, on Twitter: twitter.com/NFCCDebtAdvice, on YouTube: http://www.YouTube.com/NFCC09 and our blog: http://financialeducation.nfcc.org/.

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Fargo, ND (PRWEB) March 09, 2012

The total amount of consumer debt in the United States was nearly $ 2.4 trillion in 2010, or nearly $ 7,800 per person, and has surely grown during the down economy as more families have turned to credit cards to meet monthly obligations. For college graduates who are starting careers and family life with education loans, estimates are over $ 20,000 of debt per person. The average credit card debt was $ 6,500 per person and growing.

Family budgeting is not something society does a good job of teaching and with credit readily available it’s easy to get underwater fast. So where can a person turn to learn budgeting? What if faith is important to that person and incorporating biblical teaching into budgeting decisions is important?

It is important for Christians to be able to recognize financial bondage, but it is equally important to know how to achieve freedom. Financial freedom manifests itself in every aspect of lives—relief from worry and tension about overdue bills, a clear conscience before God and before others, and the absolute assurance that God is in control of our finances.

Christian Steps to Financial Freedom
Christians must transfer ownership of every possession to God. This means money, time, family, material possessions, education and even earning potential for the future. This is essential to experience the Spirit-filled life in the area of finances (see Psalms 8:4-6). It is simple for a person to claim a total transfer of everything to God, but it’s not so simple to do. At first, a person will experience some difficulty in consistently seeking God’s will in the area of material things. But financial freedom comes from knowing God is in control. What a great relief it is to turn financial burdens complete to Him.

A Christian must get out of debt altogether. Debt exists when a payment is past due for money, goods or services that are owed to other people. Debt exists when the total value of unsecured liabilities exceeds total assets. In other words, if a person had to cash out at any time, there would be a negative balance in that person’s account. A family’s basic demanding are not being met, producing anxiety in the area of financial responsibility.

To attain financial freedom takes a composing plan where a family determines living essentials, long-term purchases, elimination of credit purchases and savings.

Learning to Budget
The written budget allows a family to develop a financial path to freedom from debt. Understanding how to create a budget is important and Family Life Credit Services has created a free tool to help families develop a budget – and stick to it.

The Family Budgeting Guide (available as a free download at http://www.familylifecredit.org/education-resources/) includes the forms a family will need, including a budgeting guide, a monthly income and expenses worksheet, and an income allocation worksheet. Using these tools will help a family get on the road to financial freedom.

Family Life Credit Services has been providing credit counseling for over 20 years, helping thousands of families find hope. They are a Christian organization that understands the importance of your faith and have maintained 100% client satisfaction rates. Family Life Credit Services is accredited by the Council on Accreditation (http://www.coastandards.org/).

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