http://www.firstgov.gov/ People sell you this information for $1 and for $25. This is our Federal goverments website. You can access all of the information you need on how to get government business loans, auctions, unclaimed property, tax assistance, prisoner information, it is all right here. Cut and paste it to your browser, add it to your favorites. PASS IT ALONG.CUT AND PASTE THIS MESSAGE EVERYWHERE SO THAT PEOPLE CAN FIND IT WE SHOULD NOT HAVE TO PAY TO HAVE ACCES TO OUR GOVERNMENTS RESOURCES. CHECK IT OUT..AND OH’ HERE IS MY QUESTION, After you check it out..come back….How did you like it?

From my own personal experiences I think they should NOT be bailed out. Who’s bailing me out and giving me a new job? I got laid off in the construction industry recently and got behind on my truck payments, even part time night job wasn’t enough to save my truck from being repossessed. I bought the truck for $25,000 for a six year loan put $10,000 down to make sure I’d pay it off sooner and have smaller payments, I had 2 years left to pay it off and was only 2 payments behind. General Motors/ Chevrolet repossessed my truck in the night and took it to a place 300 miles a way and sold it in one week for like $3,000 at an auto auction and didn’t even try to work out a deal with me to so I could keep my truck. Even tho I put all that money into it….. GM can lose it all, I don’t care cause now I’m on a bike and searching for work still in this F**ked up economy. P.s. that truck was really paid for if you think about all the money I put in it, besides the dealers fee’s and interest on the financing….

I have heard some trash talk like its time to ***** down on employers! But thats not directly saying every level of government enforcement needs to enforce the laws! Arresting, seizing the assests convictions handed down property auction off etc.!

How can that be?
The Fed’s move put more pressure on the U.S. dollar because it made returns on investment in other countries more valuable. The weak dollar also means that American goods are cheaper for overseas buyers, which can help manufacturing and producers, and it can help companies with big foreign operations turn a larger profit by converting overseas profit into dollars.

On the other hand, a steadily weakening dollar could also discourage foreign investors who buy the country’s debt. As investment in U.S. Treasury securities dwindles, the government will have to pay higher rates at weekly auctions to find buyers for its bills, notes and bonds. That eventually could push up borrowing costs for all Americans.

This war has been expensive. We’ve almost doubled our national debt in just 7 years. Our economy is on the verge of collapse. The dollar is in free-fall. Our own banking industry is tapped out. Banks are building up capital to pay for the bad loans they’ve already made, so they can’t loan it. What happens if our government has a bond auction and nobody wants to buy them? Everybody says that we’ve borrowed this much before, to finance the second world war. It’s true. Sorta. During WW II the government ran up a huge amount of debt, but it had a population with enough cash available to absorb all of the debt. Our economy had annual growth rates of 25% in 1941 and 28% in 1942. Incomes were rising fast. By today’s standards, taxes were practically non-existent. People were saving huge chunks of their income. Compare that with today, when most of us are so deep in debt that 10% of us are missing house payments, so we don’t have that mad cash lying around this time.

Any financial institution requiring funds from the government will:

1. Voluntarily place all C-Level execs under house arrest until the company is out of trouble.

2. All assets from failed loans are sold at auction, with the starting bid being 25 Cents on the dollar. ( The government buying what ever does not sell. )

3. Capital gains for selling any property at the auction is not taxable.

4. Executive of failed financial institutions donate half their net worth to housing projects.

So, should I add remove or change anything?

House and Senate negotiators reached a compromise late Wednesday on a bill that makes sweeping changes to the federal government’s college financial aid programs.

The bill cuts the interest rate students pay on subsidized Stafford loans by half over four years and increases the maximum Pell grant for needy students.

Under a new program, starting in 2009 borrowers won’t have to devote more than 15 percent of their discretionary income to student-loan repayments, although any unpaid amounts will be added to the loan balance in most cases.

The bill also establishes a tuition-assistance program for students who commit to teaching high-need subjects in low-income public schools and a loan-forgiveness program for other public-sector workers.

Congress intends to pay for these and other programs by cutting the subsidies it pays to private-sector lenders who make federally guaranteed Stafford and Plus loans by $20.9 billion over five years.

Lenders have said these cutbacks will force them to curb benefits they have been offering, such as waiving or discounting origination fees and reducing interest rates for borrowers who make on-time payments for three or four years. Very few borrowers qualify for the interest-rate cuts and they’re not offered to students at all schools.

The bill, HR2669, incorporates provisions of bills passed earlier by the House and Senate and has been renamed the College Cost Reduction and Access Act. The compromise bill now goes back to the House and Senate for approval and then to President Bush. While Bush has endorsed most aspects of the bill, his administration has opposed certain provisions, such as reducing Stafford loan rates.

Here’s a closer look at some provisions of the bill, sponsored by Rep. George Miller, D-Martinez, and Sen. Edward Kennedy, D-Mass.:

Stafford loan rates: The bill would reduce the interest rate on subsidized Stafford loans by half over four years. Subsidized loans go to students who demonstrate financial need.

The rate cut would be phased in starting July 1. It would go from 6.8 percent today to 3.4 percent by 2011. In 2012, it would jump back to 6.8 percent unless Congress intervenes.

The rate cut only applies only to new subsidized Stafford loans, not ones that students have already taken out. It does not apply to unsubsidized Stafford loans, which students can take out regardless of financial need.

Income-based repayment: Starting July 1, 2009, borrowers would not have to devote more than 15 percent of their discretionary income to repaying Stafford student loans. This applies to both subsidized and unsubsidized Stafford loans, regardless of when the loans were taken out.

If a borrower is making reduced payments on a subsidized loan, the government will pay the unpaid amount for up to three years. After that, the unpaid amount will be added to the loan balance.

For unsubsidized loans, all unpaid amounts will be added to the balance.

After 25 years, all borrowers who are in this income-based repayment program will have any remaining balances forgiven.

The new program means you don’t have to hold back from taking a job teaching or being an entrepreneur because you can’t repay your loans, says Robert Shireman, executive director of the Project on Student Debt.

Pell grants: The bill would increase the maximum Pell grant, which generally goes to families making less than $40,000 or $50,000 per year. The maximum Pell grant would increase by $1,090 over the next five years, reaching $5,400 by 2012. Unlike loans, Pell grants do not have to be repaid.

Teacher tuition assistance: Undergraduate and graduate students who commit to teaching certain subjects, such as science and math, in low-income public schools for at least four years can receive up to $4,000 per year – for a total of $16,000 – in tuition assistance. Students must maintain at least a 3.25 grade point average to be eligible for this program, which would start next year. If students don’t fulfill the teaching obligation, the assistance becomes a loan they must repay, according to Miller’s office.

Loan forgiveness: Borrowers who work in other public-sector jobs such as the military, law enforcement, firefighting, nursing, public defenders, librarians and early childhood teachers can have any balance on their student loans forgiven after 10 years of service and loan repayment. To take advantage of this program, borrowers must have direct student loans or consolidate their loans under the government’s direct-loan program. This program begins July 1.

Plus loan auction: In a controversial move that marks a big departure from current practice, starting in 2009 the government would auction the right to provide government-guaranteed Plus loans to parents. In each state, the two lenders that offer the best deal to the government would provide all parent Plus loans in that state.

Today, all qualified lenders can offer Plus loans and parents can choose any lender they wish. This change would not affect the interest rate parents pay on Plus loans, but it would limit their selection.

The auction process would not apply to Stafford loans nor to Plus loans offered to graduate students.

Net Worth runs Tuesdays, Thursdays and Sundays. E-mail Kathleen Pender at kpender@sfchronicle.com.

This article appeared on page C – 1 of the San Francisco Chronicle